Fund dividend investment is to buy dividends into the fund after giving you dividends. Generally speaking, you can sell it whenever you want. At the same time, as long as you feel that the value of the fund has reached the purpose of your investment, you can fully realize it and sell it.

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 funds: The price of any securities will be affected by the relationship between supply and demand of securities. If a fund can buy securities when the capital supply is abundant and the price is low, but sell securities when the demand for securities is strong and the price rises, the difference is called the fund's capital gain income.

Fund income should generally be distributed as follows:

(1) Determine the content of income distribution. Specifically, the object of fund allocation is net income, that is, the balance of fund income after deducting expenses that should be deducted according to relevant regulations. The expenses mentioned here generally include:

Management fees paid to fund management companies, custody fees paid to custodians, fees paid to certified public accountants and lawyers, and start-up expenses incurred when the fund is established.

Generally speaking, the net income of the fund in that year must make up for the loss of the previous year before the income distribution of that year can be carried out; If the fund has a net loss in the current year, it should not distribute the income. In particular, it should be pointed out that.

The above revenue and expenditure data must be audited and confirmed by accounting firms and certified public accountants qualified to engage in securities-related business before distribution can be implemented.

(2) Determine the proportion and time of income distribution. Generally speaking, the distribution ratio and time of each fund are different. Under the premise of not violating the relevant national laws and regulations, it is usually stated in advance in the fund contract or the articles of association of the fund company.

In terms of distribution ratio, relevant laws in the United States stipulate that funds must distribute 95% of their net income to investors. China's Interim Measures for the Management of Securities Investment Funds stipulates that the proportion of fund income distribution shall not be less than 90% of the fund's net income.

In the allocation of time, the fund should allocate income at least once a year.