Because the investment of the fund fluctuates with the change of the market, it has certain risks. After redeeming all the investment 100 yuan, there is still more than 40 yuan left, which may be that the net value of the fund has fallen, and there may be a handling fee for buying and redeeming the fund, depending on the official of the fund company. The calculation method of fund income is to add the dividend income to the bid-ask spread. Generally speaking, when issuing a new fund, each share is 1 yuan. If one million shares are raised, it will be one million. The net value of the fund unit at this time is 1. The net value of the fund unit plus dividends is the cumulative net value.

Net unit value

Unit net worth investors can be simply understood as the price enough to buy a fund. For example, if you buy a fund of 1 1,000 yuan today, you need to know that when you place an order, you don't know how many copies you bought at what price, because according to the regulations, if an investor submits a subscription application, if it is before 3: 00 pm on the trading day, it is necessary to make a subscription with the net value of the fund on that day. However, this net value can generally be announced at 7 pm or later. If the application is submitted on a non-trading day or after the market closes at 3: 00 pm on a trading day, then the price of the subscription fund is the unit net value of the next trading day. Therefore, only after the closing of the market announced the net value of the fund, with the net value, can we easily calculate how many funds we bought. The specific formula is: fund share = (subscription fund-handling fee)/unit net value. If the net value of the fund on that day is 1 yuan, the investor will spend 10000 yuan and subscribe for the fund share of 10000.

Cumulative net value

Generally speaking, some funds will pay dividends more or less every year, so there is no way to understand the usual profitability of the fund through the net value of the fund unit. Looking at the accumulated net worth can make up for this deficiency. For example, the net value of a fund unit is 1 1.9580 yuan, but the calculated cumulative net value has reached 16.0380 yuan. The main reason is that according to the formula, cumulative net value = unit net value+cumulative dividend, which includes the distributed dividend, so the cumulative net value can better reflect the fund's income.