How to calculate the fund period, and how to calculate the number of days the fund is held

**The total amount of funds after n years of regular investment.

xn=a[1-(1+b)^n]/-b

where x represents the total amount of N years (including income and principal), A represents the amount invested annually (for example, 200 yuan per month, a 2400 yuan), and B represents the income (for example, the annual income is 15%, and B, N means that it is to the n power (it cannot be superscripted, so it has to be expressed in this way).

For example, if I want to buy 1,000 yuan per month for 20 years, how much will I earn plus principal after 20 years?

x20 = 1000 * 12 * [1 - (1 + 10,000 yuan.

Revenue 1.23 million - 20 * 12 * 1000 990,000 yuan.

1.How much you can get depends on the rate of return, according to foreign experience, 10% to 30% should be there.

2.Regular quotas are a more flexible way to invest. Although you have agreed on a certain period of time when applying for the AIP agreement, this period is only the period during which the institution that signed the agreement with you will take the initiative to deduct the investment for you.

During this period, if you need to use money, you can redeem the shares you have subscribed for without paying a default fee. If you decide to change your investment method, you can also terminate the fixed-term quota business with the original contracted institution.

**The number of holding days is calculated on a calendar day, i.e. per week.

6. Sundays and holidays are counted as holding days, and the holding days are counted from the date of share confirmation. If you hold ** for a long time, you must remember the date and time of your first purchase**, and you can calculate the number of days you hold according to the method of "counting the head and not the tail, and counting the tail not the head". In addition, if the number of days held is less than or equal to 7 days, a handling fee will be charged, so it is best not to sell within 7 days.

1. Investment is an indirect investment method. The management company concentrates investors' funds through the issuance of **shares, which are managed by the ** custodian (that is, a qualified bank), and the ** manager manages and uses the funds to invest in financial instruments such as **, bonds, etc., and then shares investment risks and benefits. In layman's terms, investment is an investment tool that collects the funds of many investors, hands them over to the bank for safekeeping, and the management company is responsible for investing in bonds and other funds to achieve the purpose of maintaining and increasing value.

2. Classification of investments.

1. According to the fundraising method.

According to different fundraising methods, **investment** can be divided into public offering and private offering**. Public offering refers to the investment that raises funds from public investors in the form of public offering and takes the investment object as the investment object. It has the characteristics of openness, realizability, and high standardization.

Private placement refers to the investment that raises funds from specific investors in a non-public manner and takes ** as the investment object.

2. According to whether it can be listed and traded on the **exchange, **investment** can be divided into listed ** and unlisted**. Listing refers to the investment in which the shares are listed and traded on the exchange. For example, exchange-traded open-ended index** (ETF), listed open-ended (LOF), closed-end**.

Unlisted refers to investments whose shares cannot be listed and traded on the exchange. There are two types: realizable** and non-negotiable**. Cashable refers to the investment funds that are not listed on the exchange, but can be recovered through "redemption", such as open-ended.

Many **** people are calculated according to the interest rate at the time of purchase. But in fact, more people don't understand the specific operation and income calculation method at all, and how much income they can get depends on the difference when they arrive at the account. First of all, you need to know that in the subscription**.

If you are before 3:00 p.m. on the same day, then he will start calculating the profit from the next business day. On the day 3:

If you subscribe after 00, then the income will start to be calculated on the third working day. If you subscribe** during a national holiday, the profit will be calculated on the first working day** after the end of the holiday, and the next day.

Ordinary open-ended investment is an investment that reflects the income with net value, and this kind of investment can pay attention to the change of net value, and the difference between the subscription and repurchase is only to obtain the income part. The net value of the currency ** share is fixed at one yuan** The income is reflected in the change of the share, which is generally distributed once a month, and a small part is paid once a year.

You first have to understand:**Share, which is equal to the principal amount of the investment minus the subscription fee, the sum of the two divided by the net unit value. Secondly, the redemption amount is equal to, ** unit net value multiplied by the redemption share, and then subtract the redemption fee, but there are related fees for the subscription and redemption of **, and the subscription fee and redemption fee must be deducted for the accurate calculation of ** income.

Among them, the cash dividend is equal to the **share multiplied by the amount of each **distribution. Therefore, its approximate calculation formula is: **Income, which is equal to the cash dividend plus the redemption amount, minus the investment principal.

For example, if you use 20,000 yuan to subscribe**, the subscription rate is, and the net value of the ** day is. Subscription fee yuan) subscription share (redeem the ** after a month, the net value of the day is, and the redemption rate is. Total redemption amount) Redemption fee Redemption fee) Net redemption amount

There are a lot of people who invest in **, in fact, they don't particularly understand the specific operation and income calculation method of **, how much income they can get, all rely on the difference in the amount of money to calculate, but how the money came from, whether there is an error, basically are confused. Next, let's take a look at how the income of ** should be calculated?

If the subscription is made before 15 o'clock on the day of the business day, then the profit will be calculated from the next business day. If you subscribe after 15 o'clock on the same day, it will be the next day, and the income will not be calculated until the third working day. If you subscribe during a holiday, it will be recognized by the system as the first working day after the end of the holiday**, and the income will be calculated on the next day.

Now most of the largest companies use the external deduction method for the calculation of income, because the same subscription amount, the share purchased by the external deduction method will be a little more, which is more beneficial to the people.

Ordinary over-the-counter open-ended ** reflects income with **net value. Investing in this kind of **can pay attention to the change of **net value, and the difference between the net value of subscription and redemption is the income part. The net value of the currency ** share is fixed at 1 yuan, and the **income is reflected in the change of the share, which is generally distributed once a month, and you can check the ** announcement for details.

Now most of the ** companies use the external deduction method, because the same subscription amount, the share of the external deduction method will be a little more, which is more beneficial to the people.

External buckle method:Share = Investment amount (1 + subscription rate) Net value on the subscription day + Interest income = Net unit value on the redemption date Share (1 redemption rate) + Bonus investment amount.

Suppose you use 10,000 yuan to subscribe for a certain **, the subscription rate is, and the net value of the ** on the day is. Subscription fee yuan) subscription share (redeem the ** after a month, the net value of the day is, and the redemption rate is. The total amount of redemption) The redemption fee is RMB) The net redemption amount is RMB).

Calculation: (Net value of the day - Net value of the previous day ** when the net value) Holding share = ** income distributed on the same day.

The class can find the income account on the Internet, and he will naturally display your income on the account, so you don't have to think about calculating it yourself.

It also has a certain increase in this **, and the income is calculated according to this increase.

Earnings of the day = (previous day's **net value of the current day** net value) Shares held.

**Today's income = (estimated net value - yesterday's **net value) * share, according to this formula, you can roughly calculate the day's income, **net value estimation is** the trend of the day, **income generally does not need to be manually calculated by investors.

The income of the day will be updated the next day, the income is based on the net value, the net value will generally be updated after the liquidation, the liquidation time is from 4 pm to 10 pm on the trading day, and the income can only be calculated after the net value comes out.

Extended Information] I. Basic Definition.

There is a broad sense and a narrow sense, in a broad sense, it refers to a certain amount of funds set up for a certain purpose, such as trust investment, provident fund, retirement, etc., and in a narrow sense, it refers to funds with a specific purpose and purpose. The income of **investment** comes from the future, and the income performance is inseparable from the performance of the underlying market of the investment target, which has certain risks.

2. Classification. According to different criteria, **investment** can be divided into different categories:

1.According to whether the unit can be increased or redeemed, it can be divided into open and closed. Open-ended non-listed trading (it depends on the situation), through banks, brokers, and companies to subscribe and redeem, the scale is not fixed; Closed-end has a fixed duration and is generally listed and traded on the trading venue, and investors buy and sell units through the secondary market.

2.According to the different organizational forms, it can be divided into company type ** and contract type **. **Established by issuing **shares** to establish an investment company**, usually referred to as a corporate **; It is established by the manager, the custodian and the investor through a contract, which is usually called a contractual type.

China's **investment** is contractual**.

3.According to the different investment risks and returns, it can be divided into growth, income and balance**.

4.According to the different investment objects, it can be divided into ****, bonds**, money market**, ****, etc.

Periodic conversion

There are many forms of grading, among which, after the completion of the open grading** raising, the exchange floor shares (generally known as the basic shares or parent shares) will usually be split into preferred shares and aggressive shares according to a certain proportion and listed separately, and the preferred shares can have priority to obtain the agreed expected annualized expected return and principal, and the remaining net assets are owned by the aggressive shares. In order to help preferred share investors achieve the agreed expected annualized expected return, the open-ended grading** usually sets up a regular conversion mechanism, and the agreed expected annualized expected return of the preferred share is converted into the basic share at regular intervals every year, and the investor can realize the expected annualized expected return by redeeming the base share.

1. Conversion base date.

Open-ended grading is usually subject to periodic translation once a year, and the base date for conversion is usually the first business day of each fiscal year (e.g., January 4, 2012) or the last business day of each operational anniversary, as specified in the contract. The preferred shares and basic shares held by investors on the base date of conversion will participate in the conversion, and the aggressive shares will not participate in the conversion.

2. There are three common conversion methods.

Conversion for Class A only: The part of the net value of Class A ** exceeding 1 is converted into the parent ** share.

A, B, and parent ** are all converted: the net value of the three types is all 1, and the excess part is converted into the share of the parent **.

The above two methods are mixed (when the net value of class B is greater than 1, all three types are converted; Otherwise, only Class A is converted).

Irregular conversion

Irregular conversion, "irregular" refers to when the net value of ** violates a certain conversion clause, generally refers to the point when the net value of the basic share is higher than a certain upper threshold (generally 2) or the net value of B share is lower than a certain lower threshold (generally a point in time). The intention is to maintain the leverage elasticity of share B when the net value of the graded ** is high, and ensure the expected annualized expected return of share A when the net value of share B is low.

Generally speaking, this type of grading sets a net value threshold for Class B sub-class, and when the net value of Class B is lower than this value, it triggers irregular conversion.

Some grading also sets a threshold for the net value of the parent **, and when the net value of the parent ** is higher than this value, the irregular conversion is triggered.

The irregular conversion method is usually 1 for all 3 types of **, and the excess part is converted into the net value of the parent **.

If you need it urgently, you may have to take it out when you lose money, or you may redeem it when you are about to make money. Generally, the best time to redeem** is when there is a profit of more than 5%.

Generally speaking, at the time of issuance, the share is 1 yuan, that is, the net value is ,

You should be referring to how to calculate the net value of **! Generally speaking, at the time of issuance, its share is 1 yuan, that is, the net value is, and the corresponding total raised funds are its total assets! And, after the investment of ** bonds, the floating profit or floating loss of its total assets is expressed by dividing by the total value of the initial fundraising, and the net value greater than is profit, and less than is a loss!