Holding income represents the income of the current holding fund. Cumulative income includes not only the income generated by the current fund, but also the income from selling the fund before. When investors sell all funds, the holding income will become 0 yuan, but the accumulated income will not be cleared.

For example, investors use Alipay to buy funds, and have already bought five funds. Holding income represents all the income brought by these five funds. Cumulative income represents all the income that investors have gained from purchasing funds since they used Alipay.

If you want to see if the five funds you bought make money, click on a single fund to see if you have made money since you bought the fund, you will see the accumulated income.

Many investors will ask how to extract so much accumulated income. In fact, when we sold the fund, the income and principal had been returned to the original deduction account. At present, the account only shows unclear figures.

Fund holding income refers to the cumulative income generated by the current holding share of the fund after investors purchase the fund, including floating gains and losses caused by net value fluctuation and historical cash dividend income corresponding to the holding share.

For example, an investor buys a fund, and after confirming the share, he gains 300 yuan yesterday, so he holds 300 yuan and 300 yuan today, so he holds 600. If investors sell the fund today, the holding income will become zero. When investors buy the fund again, the fund will recalculate the holding income according to the new income.

The cumulative rate of return of the fund refers to the cumulative income of the fund since its establishment and operation, including cash dividend income and fund net value change income.

At present, the cumulative rate of return of the fund can measure the income since the establishment of the fund, which is one of the most important reference indicators for investors to buy the fund.

Although the name sounds the same, the actual meaning is different. The cumulative income of the fund is the sum of all the income generated by investors since they invested in the fund, including redemption of the fund and dividends. Equivalent to total income. Fund holding income refers to the accumulation of income during the fund holding period, and holding income = the latest market value of fund holding cost. When all the shares of a fund are redeemed, the holding income of the fund will be reset to 0.

To sum up briefly, when you hold a fund, you take the holding income as the reference index of the fund's income. When you redeem this fund, the holding income of this fund will be reset to 0, and the accumulated income is equivalent to the income you have gained since you started to purchase this fund.