Unit net value refers to the net asset value of the fund, which is the balance of the total market value of the fund assets at a certain point after deducting liabilities, representing the rights and interests of fund holders. Through the past month, nearly a year and other historical data, we can see the profitability of the fund.
Domestic institutions that can provide financial services to customers mainly include banks, securities companies and investment companies.
bank investment
The wealth management products provided by commercial banks in China are generally certificates of deposit and asset management products. Funds sold by brokers or fund companies are not financial management.
Financial management of securities companies
Securities financing generally includes securities income certificates, asset management products and so on.
insurance financing
Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care.
Investment company financing
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. With high initial capital requirements, it is suitable for high-end financial managers.
E-commerce financing
2 1 century, in addition to online banking, financial search engines on the internet can also be used to search for financial products, compare risks and benefits, and then make investments.
Cumulative net value calculation formula:
Cumulative unit net value = unit net value after the establishment of the fund+cumulative unit dividend amount. The level of fund net value is not the main basis for choosing a fund, but the future growth of fund net value is the key to judge the investment value. The level of net worth is not only influenced by the management ability of fund managers, but also by many other factors.
The accumulated net value of the fund = the sum of the net value of the unit and the accumulated dividends since the establishment of the fund, which is a reference value. For example, on August 26th, 20 16, the net value of a fund unit was 1.0456 yuan, and the cash bonus distributed in June of 20 16 was 0.044 yuan per fund unit, so the cumulative net value was =1.0456+0.044 = 654.
Unit net value calculation formula:
Net asset value of fund units = (total assets-total liabilities)/total number of fund units.
Among them, total assets refer to all assets owned by the fund, including stocks, bonds, bank deposits and other securities; Total liabilities refer to liabilities arising from fund operation and financing, including expenses payable to others, interest payable on funds, etc. The total number of fund shares refers to the total number of fund shares issued at that time.
For example, if a securities account has a total market value of 45 million, other assets of 5 million and liabilities of 5 million, then the net asset value of the fund is 45 million. If the total share of fund issuance (note: open-end funds are variable) is 6,543,800+million, the net value of the fund unit is 4.5 yuan.