Is it better to buy a fund with a high net worth or a low net worth?

**The quality has nothing to do with the size of the net worth, it mainly depends on its profitability. Some ** continue to make profits, but they are constantly paying dividends, and the net value of such ** will always be very low. But the total gain is also good!

Dacheng** growth is such a one) some **high**, not necessarily good performance, you can take a look at Harvest growth and Yiji strategy growth, these two **net value are more than 3 yuan, but the performance in the last half a year is very poor. Of course, there are also high-net-worth good ones like Huaxia**, but there are very few. Therefore, the level of net worth has nothing to do with the quality of **.

This is just like a lot of people who buy ** like to buy penny stocks, always think that **** is low, buy more! Actually, this is a very ignorant idea, because ** and ** are both calculated by percentages.

Assuming that there are 10,000 yuan, 10,000 shares can be bought for 1 yuan per share, which seems like a lot. If you buy 10 yuan of stocks, you can only buy 1,000 shares, but if these two ** rise by 10%, the income is the same, which has nothing to do with the unit price. It's the same.

There are still benefits to regular dividends, especially when the dividend method is dividend reinvestment. In this way, the ** share is constantly increasing. If it continues to rise back to before the dividend, it is equivalent to earning the dividend share * net value before the dividend.

This is like the filling of ** as for ** after the dividend, the total amount remains the same, the share increases, and the net value decreases. There are ** dividends are purely to cater to the psychology of those who think that "a single net worth **** is low and can buy more". The total amount of investment remains the same, and there must be a lot of shares with low net worth.

1 yuan for every 10 net dividends is equivalent to 10 of ** for 1 yuan. This gift is not for nothing, and it is at the cost of reducing the net worth. After the dividend is reinvested, it is equivalent to directly exchanging your dividend income into a ** share.

If you have 10,000 shares**, then you will share 1,000 yuan, and after the dividend is reinvested, it is equivalent to buying ** again, so now the share is 10,000 + 1,000 net value after dividendsSo the share is more. However, if the ** net value remains unchanged, the total amount is (10000 + 1000 net value after dividends) * original net value.

In this case, the total amount of ** is equal to a lot more than the plain, which is impossible.

The net value that we often look at when we buy ** refers to the net value of the unit. The net value of the unit refers to the unit value of the ** on a certain day, which is the ** of the day. It is calculated as follows:

**Net Unit Value = (**Total Assets - **Liabilities) **Total Shares. In fact, the people who care about the net worth are nothing more than these kinds of inner os: **Is the net worth so high, is it cost-effective?

More expensive than buying a ** with a low net worth; The net worth has risen so high, is there still room for ** in the future? The "cheap" **net worth is already very low, and the future **space seems to be larger, even if it doesn't fall to where it goes, at first glance, it seems to make sense Is this really the case?

Let's look at the first concern, the question of the high cost of net worth. We all know that usually without considering the expense: total assets of the investor = **shares held **return on investment per unit net value = **total assets growth rate.

** is calculated in terms of growth rate, not in absolute terms of a few cents of growth. For example, if one yuan rises to two yuan, it needs to increase by 100%, and if it is a base growth of 6 yuan by 100%, it will reach 12 yuan. For example, if you have 100 yuan and buy a base of 1 yuan, you can buy 100 copies, and if you sell a base of 5 yuan, you can only buy 20 copies, but in fact, the total value of your ** is 100 yuan, if you say that ** has risen by 100%, whether you buy 1 yuan or 5 yuan, you can earn 100 yuan, right?

Both look at the growth rate, not the absolute growth value. If you get out of this misunderstanding, you will choose a better one, and the profitability of many old ones is very strong. A high net worth can only indicate that it has a strong earning capacity.

Net Unit Value is the net asset value of each Unit, which is equal to the balance of Total Assets minus Total Liabilities divided by the total number of Units issued. The net value of the unit is not the key factor we consider in investment, because it is to concentrate the investor's money, and the manager helps the investor to hold, hold and adjust the financial assets, therefore, it is usually a combination of some financial assets, which is priced in net value.

Lao Jimin Zhong Ming shared his idea of choosing the best net worth.

Of course, buy when your net worth is low, because the logic of investment is to buy low and sell high. Buy** is generally bought when the net worth is low.

The net worth is just relatively high and low.

We also have to look at the trend of net worth.

When you buy **, you buy when your net worth is low. When the net value is low, it means that there is still a lot of room for improvement in its value, and when the net value is low, you can get higher returns.

It should be bought when the net worth is low, because at this time** can get a higher income.

When you buy, when the net worth is low, this is the best, don't chase high, low net worth is very good for buyers.

**High net worth**, **high net worth indicates that the investor has obtained income, as long as the investor has obtained the income can be sold, it is generally not recommended that investors **high net worth**, **the higher the net worth, the greater the risk that the investor takes, and the probability of future losses is relatively large.

When investors are trading, they can earn the bid-ask spread when the net value is relatively low, and sell at a low price to get a profit.

**The lower the equity, the better, but the higher the better, and the higher the cumulative equity, the better, **at the low point, sell at the high point, so that the room for profit is the largest. When buying, it should be the manager's performance, average performance and holding the target, without considering the level of the unit net value.

When I first came into contact with **, I also had a preconceived view that when the net value fell a little, and then fell a little, you could buy and buy when it was low, but I didn't expect these ** to fall all the time. In fact, the lower the net worth, the cheaper it is to buy, and this kind of thing is not entirely true.

Since you have chosen a certain ** or **, what you invest in is its future income. The current net unit value is only a reflection of historical performance, and does not represent its future performance. In the long run, the change in net value is also unacceptable, and there is a possibility of going higher or lower.

The Administrative Measures for Information Disclosure of Investment Information have different time requirements for the announcement of the net value of different types of products

1. The manager shall announce the net asset value and the net value of the share on the day after the last market trading day of the semi-annual and annual periodicals, and publish the net asset value, the net value of the share and the cumulative net value of the share in the designated newspapers and periodicals. For closed-end assets, the manager should announce the net asset value and net share value at least once a week.

2. For open-ended, after the contract takes effect and before the subscription or redemption of shares, the manager shall announce the net asset value and the net value of the shares at least once a week.

3. After the open subscription and redemption, the manager shall disclose the net value of the shares and the cumulative net value of the shares on the open day through the outlets and other media on the next day of each open day.

It's not that cheaper is better, and cheaper you are, the more cautious you have to be.

Many people will calculate accounts like this when buying**, the same 10,000 yuan, buy 1 yuan** can buy 10,000 copies, but the ** yuan ** can only buy more than 7,600 copies, **cheap** can get more shares, so I bought**cheap**.

In fact, the level of ** does not affect the risk and return of investment**, for example: there are 1,000 yuan ready to invest **, a** current net value of yuan, b** current net value of 1 yuan. If you buy A** with 500 yuan, you can have 1000 shares, and if you buy B** with another 500 yuan, you can have 500 shares.

On the second day, ** rose sharply, A** and B** both rose by 2%, then A** rose by yuan per share, and B** rose by yuan per share, and the profits were.

1) A**Profit: principal of 500 yuan x 2% = 10 yuan or yuan x 1000 copies = 10 yuan.

2) B** profit: principal 500 yuan x 2% = 10 yuan or yuan x 500 shares = 10 yuan.

From the above examples, it can be seen that in fact, the profit or loss caused by the low price mainly depends on the principal invested and the daily rise and fall, and has nothing to do with the share. Although the low one can buy more shares, it does not mean that it is more profitable than the high one.

Another reason why the lower the better, is that many people think that the cheaper the ****, the more space there is. For example, the **upside of 1 yuan is larger than that of yuan**.

Actually, it's not the same. The stock price depends on its fundamentals and market supply and demand, while **** reflects the value of assets such as **holding**, bonds, etc. Wang Zihan, chief analyst of financial management, reminded that **high** means that the manager's operation is more successful, and **medium**, and the bond performance is excellent.

And the **low**, it may be that there is a problem with the manager's management. Taking China Post Strategic Emerging Industries (590008) and Xincheng Essence Growth (550002) as examples, on September 1, the unit net value of China Post Strategic Emerging Industries (590008) was RMB, and the unit net value of Xincheng Essence Growth (550002) was RMB. Compared with the two **, the net value of Xincheng Essence Growth (550002) is lower, but as of October 24, the unit net value of China Post Strategic Emerging Industries (590008) is yuan, and the net value is increased by yuan; The net unit value of Xincheng Essence Growth (550002) is RMB, and the net unit value is reduced by RMB.

It can be seen that the net value of the unit is not necessarily fast, the performance has nothing to do with the high or low, at the same time, whether it is low or high, the market conditions are the same, and the future investment income depends entirely on the investment level of the manager, and the current investment has little to do with it.

What does net unit value mean? Is it better to have a high or low unit net worth.

One of the current wealth management products is net income, that is to say, it does not stipulate a final redemption interest rate, but pays according to the specific interest rate of the wealth management product at the time of your redemption. Therefore, we can often see a certain net worth wealth management product.

Its historical reference rate of return is basically very high, and it was even able to see an annualized rate of return before last year.

Maintain a net worth income wealth management product of about 8%, but this kind of product is really in the hands of our ordinary investors, can the yield after one year of investment reach 8%?

The answer is basically no, unless you are particularly lucky, otherwise this kind of net-worth higher yield wealth management products, its annualized rate of return will generally have a certain discount effect when it really pays you, that is to say, it seems that the annualized rate of return is stable at about 8%, but the actual interest rate may be less than 4%. And you are also under a considerable amount of risk pressure in the middle, so it is personally recommended that if you have to choose a net-worth income wealth management product, you should choose a wealth management product that is consistent with the ordinary annualized rate of return on the current market and has a low net-worth income within a certain range.

At present, it is prudent to invest and manage its finances.

In the market, the annualized yield of one-year wealth management is basically maintained in the range of 4% to 6%, and if it is more stable, it is basically close to about 4%. Therefore, if your risk tolerance is not high, and you still like it, or finally decide to choose a net-worth income financial product, you should choose an annualized rate of return that is stable within 6% or a direct score limit of less than 5% as much as possible, so that you may have a stronger psychological acceptance when you finally cash out.

If you don't like the wealth management products with a bad net worth, we can also directly choose a part of the current cost-effective and stable investment market, such as the current rigid payment.

The main bank of the wealth management deferred product is the current private bank.

and local commercial banks, under the commitment of guaranteed principal and interest, an annualized interest rate of one year.

It can even reach about 5%, and the average financial rate of return is maintained at the top, which is very cost-effective.