As an investment tool, the calculation of redemption income of funds is a problem that investors are very concerned about. This paper will introduce the calculation method and specific operation steps of fund redemption income in detail.
1. What is the redemption income of the fund?
Fund redemption income refers to the profit obtained by investors after selling their own fund shares and subtracting the funds spent when purchasing funds.
Two. Calculation formula of fund redemption income
The calculation method of fund redemption income varies according to the type of fund and redemption method. Taking stock fund as an example, this paper introduces the calculation method of its income.
1. redemption income calculation formula
(Redemption Fund-Purchase Fund) ÷ Purchase Fund × 100%= rate of return
Redemption income = redemption funds-subscription funds
Among them, redemption fund refers to the funds obtained by investors when they redeem the fund, and subscription fund refers to the funds spent by investors when they subscribe for the fund.
Step 2: Example
Suppose investors buy 65,438+0,000 shares of funds at the price of 65,438+0 yuan on October 0, 2065,438+09/KLOC-0, and spend a total of 65,438+0,000 yuan. On February 3, 20 19, investors redeemed 1000 funds at the price of 1.2 yuan, and got a total of 1200 yuan, so the fund redemption rate is:
( 1200- 1000)÷ 1000× 100%=20%
Fund redemption income = 1200- 1000=200 yuan.
Third, the calculation opportunity of fund redemption income
The timing of fund redemption income calculation is also a problem that investors need to pay attention to. The net fund value is an important basis for calculating the redemption income of the fund, and the net fund value is calculated according to the closing price of each trading day. When investors redeem the fund, if they redeem it before the close of the trading day, the redemption income shall be calculated according to the net value of the day; Redemption after the close of the trading day, the redemption income is calculated according to the net value of the next trading day.
Four, the calculation method of fund redemption income
There are two ways to calculate the fund redemption income: manual calculation and automatic calculation.
Manual calculation: investors can manually calculate the fund redemption income by themselves, just according to the above formula.
Automatic calculation: At present, most funds * * provide automatic calculation of redemption income. Investors only need to log in to the fund's * * or mobile APP and input the information when the fund is redeemed, and the system will automatically calculate the redemption income.
Verb (abbreviation of verb) matters needing attention
1. When calculating the fund redemption income, we should pay attention to the timing of calculating the net value to ensure the accuracy of the calculation.
2. Funds obtained from fund redemption may deduct fund management fees and custody fees, and investors should know the details of these fees before redemption.
3. Personal income tax should be deducted from the funds obtained from fund redemption, and investors should also pay attention to this.
Six,
Fund redemption income is an important part of fund investment. Understanding the calculation methods and precautions of fund redemption income can help investors calculate their own income more accurately and plan their investment plans better. Before the fund is redeemed, investors should fully understand the basic situation of the fund and the redemption rules to avoid unnecessary losses caused by ignorance of the rules.