Although bank deposits are safe, after all, the expected rate of return is low, so some investors who want to get higher expected return on investment but are unwilling to take too high risks will choose to buy funds. So what is the expected return of the fund in one year? Let's take a look together.

I. Calculation method of expected return of funds

Fund redemption amount = fund share * fund unit net value-redemption fee. Among them, fund share = (investment principal-subscription fee)/net value of fund unit, redemption fee = (fund share * net value of fund unit) * redemption rate.

Suppose: an investor bought a fund product of RMB 654.38+0 million a year ago, with a net fund value of RMB 654.38+0 and a subscription rate of RMB 0. Redemption after one year, the net value of the fund rose to 1. 1 at the time of redemption, and the redemption rate was 0. So:

Fund share = (investment principal-subscription fee)/fund unit net value = (10000-0)/1=10000 copies; Fund redemption amount = fund share * fund unit net value-redemption fee = 10000 *1-0 =11000 yuan, that is, the expected return on investment in one year is1000 yuan.

The above example is only for the convenience of understanding the calculation method of the expected return of the fund. In fact, the redemption rate and unit net value growth of each fund product are different.

Two. What is the expected return of the fund in one year?

According to different investment objects, funds can be divided into money funds, bond funds, mixed funds and stock funds. The expected return of the fund is directly proportional to the risk. Monetary fund has the lowest risk and the lowest expected return, while stock fund has the highest risk and the highest expected return.

The average expected annualized rate of return of the money fund is about 2.5%, that is, if you invest 6,543,800 yuan in the money fund, the expected rate of return for one year is about 250 yuan. The expected annualized rate of return of bond funds is generally around 6%, and the expected annualized rate of return of stock funds can reach above 10% on average.

Note: Funds are non-guaranteed floating expected income products, so not every fund is profitable, and there is also the risk of principal loss.

The above information about the expected income of the fund in one year, I hope it will help you. Warm reminder, financial management is risky and investment needs to be cautious.