Judging from the short-term fund assets held by investors, fund dividends are neutral, with no loss or gain. Fund dividends are paid from the net value of the fund. After the fund pays dividends, the net value of the fund decreases. Regardless of dividends or not, the total assets held by investors remain unchanged, so they don't lose money or make money.

Fund dividends are good for investors.

Fund dividend means that the fund distributes part of the income to investors in cash, which is originally a part of the net value of the fund unit.

Although the dividend-paying funds are not extra, the fund dividend is equivalent to raising part of the previous income in advance. After the increase, the fund share remains unchanged and the position fund continues to float. If you choose to invest in dividends again, it will increase the fund share, so it is a good thing.

For example, investors used 2 yuan to buy a fund with a net value of 6.5438+0 million yuan. When the net value of the fund is 3 yuan, it meets the dividend conditions, which is equivalent to earning 6.5438+0 million yuan. If the fund adopts the dividend plan of 0.5 yuan/share, investors can get a cash dividend of 5,000 yuan. This 5000 yuan will be distributed in cash. After the distribution, the share of investors' positions has not changed, and the funds holding positions continue to rise and fall.

There are generally two ways for fund dividends: one is cash dividends, and the other is dividend reinvestment. If the investor does not specify the dividend method, the default income distribution method is cash dividend. However, the fund dividend is not as much as possible. Investors should choose a dividend method that suits their own needs.

For open-end funds, if investors want to realize income, they can also redeem part of the fund shares to achieve the effect of cash dividends; Therefore, whether the fund pays dividends and the number of dividends will not have a significant impact on investors' investment income. Usually, the default dividend method of open-end funds is cash dividend, but the basic people can change it independently according to the individual's specific situation and the changes in the fund market.

For closed-end funds, it is sometimes not feasible to realize fund income by selling fund shares because the unit price of the fund is often different from the net value of the fund. In this case, fund dividends become the only reliable way to realize fund income. Investors should pay more attention to dividends when choosing closed-end funds.