Entering the investment market is to earn income. As for what products to invest in, users need to judge directly. Stocks, funds and futures can all be invested, and users can choose suitable products according to their own stress resistance. Among many products, funds are more suitable for novice investment. The following are the sources of income of the fund, I hope you like it.
What is the income source of the fund?
The income of the Fund mainly comes from the following sources:
Capital appreciation: the fund invests in different types of assets, such as stocks, bonds and real estate. The net value of fund shares increases with the increase of asset value. If the asset price of fund investment rises, the net value of fund shares held by investors will also rise accordingly, thus realizing capital appreciation.
Dividend and interest income: the fund can obtain corresponding dividend and interest income by holding stocks or bonds. Dividend is the share of profits distributed by the company to shareholders, while interest is the fixed income of bonds. The fund reinvests or distributes these dividends and interest income to fund share holders.
Dividend income: Some foundations pay dividends to investors regularly, which is part of the profits earned by the funds. Investors can choose to withdraw the dividend income as cash or reinvest it to increase the fund share.
Handover fee: the transaction of funds will generate a certain handover fee, that is, the transaction cost generated by buying and selling securities. These expenses will be deducted from the fund's assets, thus affecting the fund's net value.
Why is fund investment so popular now?
Convenience and diversification: fund investment is more convenient and diversified than direct investment in stocks or bonds. Investors can buy funds to invest in a variety of assets, and a diversified portfolio can be obtained through one purchase.
Professional management: The Fund is managed by professional fund managers and management teams, who have professional investment research and management capabilities. Investors can benefit from their professional knowledge and experience by entrusting fund managers to manage funds.
Diversification of risks: Fund investment can diversify risks and reduce investment in specific assets or industries. Investors can reduce the risk of the overall portfolio by investing in a variety of asset types and industries.
Flexibility: Funds usually have high liquidity, and investors can buy or redeem fund shares at any time, which is more flexible than directly investing in stocks or real estate.
Low threshold investment: Compared with direct investment in stocks, bonds and other assets, the threshold for buying funds is lower. Investors can buy a small amount of fund shares and gradually increase the investment scale according to their own funds.
When do you start to calculate the income after buying a fund?
Realize the fund T 1 transaction. Therefore, the fund is subscribed before the working day 15, and the income is calculated on the second working day. If you buy a fund after 5 o'clock, you will get a profit on the third working day. However, it should be noted that the confirmation of QDII fund T2 may be delayed by one day. There are many types of funds, and the income time of different types of funds is different.
In case of purchasing the Fund on holidays, the Fund shall be purchased before the first working day after holidays 15:00, and the income shall be calculated from the second working day after holidays. This means that if you confirm your share on Friday, you have to wait until Monday to see the benefits. Fund income is affected by the fluctuation of fund net value. Generally, it can only be updated after the liquidation of the fund's net worth stock.
In the whole investment process, it is important to choose a good fund, hold it for a long time and disperse short-term fluctuations, so that the probability of making money will be high. Choosing a fund is the same as choosing a stock. What matters is whether the investors buy a good fund, as well as the buying time, investment period and operation method.
In the fund market, an excellent fund is a sustained and stable performance. Investors can judge the trend of the fund's net value on the day according to the trend of the target or the valuation trend. After the fund is selected, it is necessary to set a reasonable stop loss point and take profit point.
Fund income time?
Generally, the fund income is calculated from T+ 1, that is, the fund income is generated on the second day after subscription. Purchase the fund before working day 15, and calculate the income on the second working day. Apply for funds after 15, and you will get benefits on the third working day. However, there may be some differences in the settlement of fund income of different fund companies, and the specific settlement time of fund income shall be subject to the announcement of fund companies.
How long does it take to buy a fund to make a profit?
Generally speaking, if investors buy OTC funds, they will see floating losses in their accounts within 1-2 working days after purchase. Whether there is income depends on whether the net value on the share confirmation date is higher than the net value at the time of purchase.
According to the regulations, the fund company must reply within 3 working days after receiving the investor's request for subscription and redemption. In practice, when investors buy OTC funds, they will generally confirm their shares on T+ 1 day. Assuming that the net value on T+ 1 is higher than the net value at the time of buying, they can see the income.
If you buy a money fund, T+ 1 starts to calculate interest, but the time for the income to arrive is generally T+3, so you can only see the income within 3 working days after purchase. Note: T days here refer to working days. If there are legal holidays, the time for seeing benefits will be extended.
If an investor buys an on-site fund, after buying, the current price is higher than the cost price of the position, and the income is visible. On-site funds are ETF funds, which can be bought and sold at any time, so there are real-time quotes to watch.