Cumulative net value = current net value after the fund share is established+cumulative dividend amount. The accumulated net value reflects the accumulated income since the establishment of the fund (-65,438+0 yuan face value is the actual income), which can reflect the historical performance of the fund to some extent in combination with the length of the fund's establishment.

In fact, in fund investment, the level of net worth does not affect the risks and benefits of fund investment. Low-net-worth funds may be lower and high-net-worth funds may be higher. The market conditions faced by low-priced funds and high-priced funds are the same, and the future investment income of funds depends entirely on the investment level of fund managers, which has little to do with the current fund prices.

Even if the fund with high net worth exceeds the market income, it means that the investment level is high, and the future net worth may continue to rise, while the low net worth may also reflect that the fund cannot track the average market income and lags behind similar or other products.

Extended data

There is another risk of low-net-worth funds, which is the risk of liquidation. You can equate it with the delisting of stocks in the stock market. A fund may shrink because of poor performance and constant redemption by investors. According to the regulations, if the fund is less than 50 million yuan and meets the relevant conditions, it will be liquidated.

At the time of liquidation, it is necessary to dispose of all assets and distribute cash to each investor. At that time, investors with low net worth funds will have no chance to make a comeback. Don't think this is a small probability event. Last year alone, more than 100 funds were liquidated, so there were too many investors who lost money.