The calculation method of fund increase: master the fund increaseBigbuckhunterforsaleThe calculation method and steps of
The calculation of fund gains is an important skill for investors, which can help investors understand the performance of the funds they invest in. This article will introduce in detail the calculation methods and steps of fund increases to help investors better master this skill.
The increase of fund refers to the increase of net value of fund unit in a certain period of time, which is one of the important indicators to measure the performance of the fund. There are many ways to calculate the increase of the fund, but the most commonly used are simple calculation and compound interest calculation.
Simple calculation method
The simple calculation method is the most basic method for calculating the increase of funds, which is suitable for the calculation of fund increases in the short term. The calculation formula is as follows:
Fund increase = (current net worth-initial net value) / initial net value × 100%
For example, the initial net value of a fund is 1.Bigbuckhunterforsale.0 yuan, the current net value is 1 after a period of timeBigbuckhunterforsale.2 yuan, an increase of:
(1.2-1.0) / 1.0 × 100% = 20%
The simple calculation method is suitable for the short-term fund increase calculation, but for the long-term investment, the compound interest calculation method is more accurate.
Compound interest calculation method
The compound interest calculation method takes into account the reinvestment effect of investment income and can better reflect the real return of long-term investment. The calculation formula is as follows:
Fund increase = [(1 + yield per period) ^ holding period-1] × 100%
For example, a fund has an annualized return of 10% and an investment period of 5 years, and the increase is calculated as follows:
[(1 + 10%) ^ 5-1] × 100% ≈ 61.54%
By comparing the simple calculation method with the compound interest calculation method, investors can choose the appropriate calculation method according to their own investment period and demand.
Matters needing attention
1. When calculating the increase of the fund, we should pay attention to the accuracy of the net worth data. Investors should pay attention to the official website of fund companies or third-party data platforms to obtain accurate net worth data.
two。 Investors should take into account the dividend situation of the fund when calculating the increase of the fund. Dividends will lead to a decline in the net worth of the fund, but will not affect the actual returns of investors. Therefore, when calculating the increase of the fund, the income of dividend reinvestment needs to be taken into account.
3. Investors should pay attention to the increase of the fund.BigbuckhunterforsaleA comparison of the returns on his investment products. Different investment products have different risk-return characteristics, and investors should allocate them reasonably according to their own risk tolerance and investment objectives.
Through the above introduction, investors should have mastered the calculation methods and steps of the fund increase. In practice, investors can combine their own investment situation and flexibly use simple calculation method and compound interest calculation method to provide strong support for their investment decisions.