It is not surprising that almost all funds have negative annual growth.
Except for a few areas this year, such as investing in gold, other investment areas are not profitable. Whether it is national bonds, foreign stock markets, and Chinese stock markets, including large-cap stocks and small-cap stocks, they are basically on a downward trend.
Naturally, funds are no exception. Even bond funds are losing money, let alone stock funds.
However, the current stock market should also be at a relatively low position, and it can make money in the long run. It is just that in the short term, it is still in the process of oscillation at the bottom, and there is no immediate upward trend.
Therefore, it is not recommended to buy a large sum of funds immediately. It is best to make tentative buying points at most. It is better to wait until the market downward trend has obviously ended before entering. Therefore, it is recommended to wait and see the cumulative net value of the fund units. Written explanations are quite verbose. In layman’s terms, the net value of a unit refers to
It is how much each fund is worth now. The cumulative net value is the cumulative value of performance since the fund was established (generally face value is 1.00 yuan) to the present. For example, in your example: the cumulative net value is 3.1160. If you bought and held it from 1.0 yuan when it was issued.
Until now.
Each copy is worth 3.1160, tripled.
If the fund does not distribute dividends or split, the net value of the unit = the cumulative net value.
If there is a dividend, the net value of the unit is 1.5 yuan, and each share is 0.5 yuan. After the distribution, the net value of the unit is 1.00 yuan, and the cumulative net value is 1.5 yuan. The split means that the net value is reduced, the share is increased, and the total assets remain unchanged.
For example, if the net value of the unit is 2 yuan, the split ratio is 1:1. After the split, the net value of the unit is 1.00 yuan, the cumulative net value is 2.0 yuan, and 1,000 points in hand becomes 2,000.