Calculation formula of fund redemption income and its application
With the continuous development of financial market, funds have become one of the choices of more and more investors. One of the most critical issues in fund investment is how to calculate the fund redemption income, because it is related to the investor's income and risk control. This paper will introduce the calculation formula of fund redemption income and its application.
1. What is the redemption income of the fund?
Fund redemption income refers to the income obtained by fund investors from redeeming fund shares after the fund share holding period ends. This income is determined by the growth of fund net value and the number of fund shares held by fund investors. The calculation formula of fund redemption income is relatively simple.
Two. Calculation formula of fund redemption income
The calculation formula of fund redemption income is: redemption income = net value of the fund at the time of redemption × number of redemption shares-handling fee at the time of redemption.
Among them, the net fund value at the time of redemption refers to the net fund value on the day of redemption, the number of redemption shares refers to the number of fund shares held by investors, and the handling fee at the time of redemption refers to the handling fee charged by fund management companies or consignment agencies. It should be noted that different fund rates are different, and the fund contract shall prevail.
Third, the application of fund redemption income
The application of fund redemption income mainly includes the following aspects:
1. Help investors understand the fund income.
Fund redemption income is a factor that fund investors need to consider when choosing funds. By calculating the redemption income of the fund, investors can know the actual income of the fund and evaluate the investment value and risk of the fund.
2. Help investors make investment plans.
Calculating fund redemption income can help investors make investment plans. By understanding the redemption income of the fund, investors can decide whether to continue to hold the fund or adjust their investment strategies to achieve better investment results.
3. Help investors control risks
The calculation of fund redemption income can also help investors control risks. Investors can evaluate the risk level of the fund by calculating the redemption income of the fund, so as to adjust the investment strategy in time and reduce the investment risk.
Fourth, matters needing attention
When calculating the fund redemption income, you need to pay attention to the following matters:
1. Impact of handling fee
The handling fee is a factor that needs to be considered when calculating the fund redemption income. Investors need to know the rates of different funds and take the fees into account when calculating the redemption income.
2. Net value fluctuation
The net value of the fund will fluctuate with the change of the market, so the net value of the fund on the redemption date needs to be used when calculating the redemption income. Investors need to pay attention to the net value fluctuation of different funds and choose the redemption time reasonably according to market conditions.
3. The impact of taxes and fees
The fund redemption income also needs to consider the impact of taxes and fees. Different funds have different tax policies, so investors need to know the tax policies of the funds and consider them when calculating the redemption income.
Five,
Fund redemption income is an important indicator that fund investors need to pay attention to. Calculating the redemption income of funds can help investors understand the actual income of funds, make investment plans and control risks. When calculating the fund redemption income, we need to pay attention to the influence of handling fees, net value fluctuations, taxes and other factors. Investors need to choose suitable funds and reasonable redemption time according to their own investment needs and risk tolerance, in order to obtain better return on investment.