Fund is a relatively stable investment method, so many investors use it as a long-term investment tool, and want to take out the profit part of the fund, while the principal will continue to invest. So how do you take out the profit part of the fund? Let's see how the fund calculates Bian Xiao's income.

First, how to take out the profit part of the fund?

No matter how much the fund earns, the profit part cannot be taken out separately. Because the calculation method of fund's profit is different from that of products such as deposits, the fund's profit is reflected in the growth of product net value.

If you want to withdraw the profit part of the fund, you can only choose to redeem the fund shares, and calculate the redemption amount according to the number of redeemed fund shares and the current net value, but you can't directly withdraw part of the amount.

Fund products can choose to redeem all fund shares at one time, or they can choose to redeem some fund shares. If you need liquidity and want to withdraw some funds, you can choose partial redemption. However, it should be noted that partial redemption is still share redemption, and the redemption amount includes principal and income, and the income cannot be redeemed separately.

Second, how does the fund calculate the income?

The investment income of the Fund is calculated according to the net value of the Fund at the time of subscription and redemption. The calculation formula is: income = net unit value on redemption date × share ×( 1- redemption rate)+dividend-investment amount.

For example, investors buy a fund product with a price of 6.5438+0 million yuan, and the unit net value on the day of purchase is 654.38+0, and they apply for redemption after holding it for one year. On the day of redemption, the net value of the unit is 654.38+0.654.38+0, and there is no handling fee and dividend for subscription and redemption.

Then, the subscribed fund share = 10000 yuan/1= 10000 copies, and the income =1×10000-10000 =1.