1. If you want to know how to calculate the fund's income, you must first know the fund's income within one year. Fund income = fund net value × fund share ×( 1- redemption fee)-subscription amount+cash dividend, fund annualized rate of return = fund income/subscription amount × 100%. A fund has two kinds of accumulated dividends, one is 0.03 yuan and the other is 0.05 yuan. Its cumulative net value is 2.5+0.03+0.05 = 2.58 yuan. This rate of return is more accurate. When the current market price of the fund is greater than the initial purchase price of the fund, investors can get rich profits.
2. Market price P = initial purchase price P0. Different platforms have different calculation formulas, but there is a gap between the annual rate of return and the actual rate of return. If the net value of the fund on the day is 2 and the net value of the fund on the next day is 2.5, then the rate of return is (2.5/2)× 100% = 25%, but you will find that the fund on the next day still has dividends. So the net fund value of the next day is inaccurate, and you need to know the accumulated net unit value. Accumulated unit net value = unit net value+fund dividend; Since the market price is the same as the initial purchase price, the current investment income of fund investors is 0. At this point, the amount of fund dividends can not increase the income of investors. There is a simple reason.
3. The initial subscription price of investors is 1.40 yuan, and the market price is 1.40 yuan, which is still the price of the day before the ex-dividend date of the fund, so the dividend of the fund unit is 0.36 yuan. If an investor sells the fund the day before the ex-dividend date, it is obvious that his rate of return is 0 (excluding the opportunity cost). After deducting dividends, the fund price is 1.04 points. Although the cash dividend received by investors is 0.36 yuan, the fund can only sell 1.04 points in the market (regardless of the speculation of the fund, the price of the fund is similar to "filled in correctly", so it can be seen that the investor's rate of return has not changed, and it is still 0.
If the price of the fund rises after ex-dividend, the income of fund investors will start to be positive and increase with the price increase. Conversely, if the fund price falls below 1.04, investors will suffer losses.
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