The simulated portfolio is a virtual fund, and the rate of return is also calculated according to the simulated fund, while the actual rate of return is only calculated after you recharge the real money and buy the corresponding fund. The calculation of the actual rate of return of wealth management products can be divided into two forms: for products with one-time rate of return, the bank will announce the rate of return of the products after the products expire, and after deducting the subscription fees, management fees and other expenses (if any), it will be the actual income of investors. Generally, for products with multi-period published yields, several observation days are set, and there are several corresponding yields. The calculation of the actual rate of return of this kind of products will refer to the rate of return of products at various stages, and the actual income will be calculated according to the original method. The expected rate of return is not necessarily equal to the actual rate of return, and investors have to bear the risk that the product will not reach the expected rate of return when the investment expires.

When a person invests his savings in stocks, bonds, real estate or other assets, he always hopes to get a rate of return on assets higher than the inflation rate, so that he can get more consumption in the future by delaying consumption. Sometimes called the real interest rate. It means that the nominal rate of return can be deducted from the inflation rate to get the real rate of return after excluding the price increase factor. Actual rate of return =(( 1+ nominal rate of return) /( 1+ inflation rate))-1.

On Tian Tian Fund Online, investors can choose their own funds or buy funds that have been combined. Among them, buying a fund portfolio has the following advantages:

1. Diversify investment and reduce risks.

The daily fund portfolio is repurchased by multiple fund portfolios according to different characteristics such as fund types or performance. Through a reasonable fund portfolio, risks can be quantified and dispersed. At the same time, the advantage of fund portfolio investment is that when the environment and economy are not good, the stock market fluctuates and individual stocks generally fall. At this point, it is difficult for partial stock funds to be immune. If there are bond funds or money funds in the portfolio, they can form a hedge to resist the losses caused by systemic risks.

2, professional investment, save time

The fund portfolio is configured by professional investors, which saves the time for beginners to select funds. At the same time, professional investors will adjust the portfolio allocation in time and constantly optimize the risk-return ratio of the portfolio.