What are the sources of fund income? Does everyone know? So we know what are the sources of income of the fund _ how to calculate the income of the fund? The following is the source of fund income compiled by Bian Xiao _ How to calculate fund income, for reference only, I hope it will help you.
Beneficial sources of fund investment
1. interest income of the fund: the interest income of the fund mainly comes from bank deposits and bonds invested by the fund.
2. Dividend income of the fund: Dividend income of the fund refers to a kind of income that the open-end fund obtains from the company by buying and holding the stocks issued by each company in the primary market or the secondary market. Dividends generally have two forms, namely cash dividends and stock dividends. Cash dividends are paid in cash, and stock dividends are given to shareholders as dividends in a certain proportion.
3. Capital gains of the fund: the price of any securities will be affected by the relationship between supply and demand of securities, if the fund can have sufficient capital supply. Buy securities when the price is low, but buy them when the demand for securities is strong. When the price rises, the difference is called the fund's capital gains.
How to calculate the income of the fund?
Calculation method of fund income:
Examples are as follows: 1. Buy:
Suppose a fund is subscribed with 1 0,000 yuan, the subscription rate is 1.5%, and the net value of the day is 1.2000.
Net subscription amount = subscription amount ÷( 1+ subscription rate) =10000.00÷ (1+1.5%) ≈ 9852.22 (yuan)
Subscription fee = subscription amount-net subscription amount =10000.00-9852.22 =147.78 (yuan)
Subscription share = net subscription amount ÷T-day fund share net value = 9852.22÷1.2000 ≈ 8210.18 (copies)
2. Redemption: Assuming that the fund is redeemed after one month, the redemption rate is 0.5% and the net value of the day is 1.4000.
Total redemption amount = redemption share ×T-day fund share net value = 8210.18×1.4000 ≈11494.25 (yuan)
Redemption fee = total redemption amount × redemption rate =11494.25× 0.5% ≈ 57.47 (yuan)
Net redemption = total redemption amount-redemption fee =11494.25-57.47 =11436.78 (yuan)
Net profit =11436.78-10000.00 =1436.78 (yuan)
How to calculate fund income
When most investors measure a fund, they often look at its rate of return. Then the question about the general rate of return of funds actually needs us to calculate it ourselves. According to Bian Xiao, the fund's rate of return is also the ratio of the actual income of fund securities investment to the investment cost. If the investment return rate of a fund is high, it means that the securities of the fund have stronger profitability. Because investment funds need to pay a certain fee, the handling fee should be considered in the calculation.
Bian Xiao has compiled some formulas to calculate the total rate of return of funds:
Folding calculation formula; Income = fund net value of the day × fund share ×( 1- redemption fee)-subscription amount+cash dividend;
Rate of return = income/subscription amount ×100%;
The calculation method of fund income is: fund share = subscription amount _( 1- subscription rate)/fund net value on the subscription day;
Income = fund share _ net fund value on redemption date _( 1- redemption rate)+cash dividend during the period-subscription amount.
What everyone needs to pay special attention to here is that if the dividend payment method of the fund is dividend reinvestment, you need to check the fund share in the fund account. The fund income mentioned above refers to the net value of the fund when buying the fund. The current net fund value minus the net fund value at the time of purchase multiplied by the fund share is the gain (loss). Finally, we should know that the accumulated net value does not accurately reflect the fund's income, because the fund can choose cash when paying dividends, or it can choose to reinvest the dividend cash automatically. If you choose cash, you can also choose to buy it manually in a few days or months.