For example, Xiao Zhang holds 1 0,000 copies of Fund A, and its unit net value was 1 yuan yesterday and 1.08 yuan today, so Xiao Xia's income from holding Fund A today is 1 0,000 * (1.08 yuan-/kloc). Therefore, the single-day income of this fund held by Xiao Zhang is 80 yuan.
The calculation formula of fund holding income is: fund holding period income = holding share * (net unit value confirmed by redemption-net unit value confirmed by purchase). Or just now, Xiao Zhang held 1 0,000 copies of a fund, and confirmed that the unit net value on the day of buying was 1 yuan, and the unit net value on the day of selling was 2 yuan, so the holding period income of Xiao Zhang holding a fund = 1 0,000 * (2 yuan-1 yuan) = 1 0,000.
Of course, this is just the income without deducting the handling fee. If you choose to redeem, you need to consider the various handling fees we introduced before. The subscription fee is deducted at the time of subscription, the redemption fee is deducted at the time of sale, and other management fees are deducted from the net value of the fund. What we really earn is the fund income at the time of redemption MINUS these expenses.
Other small partners consulted Xiao Zhang: "I hold several funds at the same time, but the buying time is different and the holding time is different. How to compare their income? " Here we should introduce a new indicator: annualized rate of return of funds.
The annualized rate of return of a fund refers to the conversion of the rate of return obtained during the fund's existence into a one-year rate of return, which is a theoretical rate of return, not a real rate of return. For example, the daily rate of return is one in ten thousand, and the annualized rate of return is 3.65_ (an average of 365 days a year). Its calculation formula: annualized rate of return of the fund = (fund holding period income/principal)/(holding days /365 days) * 100%. For example, when Xiao Zhang bought Fund B, the net value of the fund was 1.2 yuan, and when he sold it, the net value of the fund was 1.8 yuan, the holding share was 1 000, and the investment days were 90 days. You can first calculate the income of the fund holding period as follows: 65,438+0,000 * (65,438+0.8-65,438+0.2.
The annualized rate of return can, to a certain extent, measure who has higher actual income from the funds he holds.