The net value of net-worth financial management is divided into unit net value and accumulated net value. Among them, unit net value = (total assets-total liabilities)/total number of fund units; Accumulated unit net value after the establishment of the fund = unit net value+accumulated unit dividend amount.
Extended data:
1, what does the unit net value mean?
The net value of a fund refers to all assets owned by the fund and represents the rights and interests of fund holders. Fund net value can be divided into unit net value and accumulated net value, in which unit net value refers to the price of fund unit share, and can also be understood as the sales price of the fund on that day.
The calculation formula of fund unit net value is: fund unit net value = (total assets-total liabilities)/total fund share. Stocks, bonds, bank deposits, etc. All belong to the total assets of the fund, and the remuneration and interest managed by the fund belong to the total liabilities of the fund.
For example, a fund with 200,000 shares has assets of 5 million shares and 5 million bank deposits. Excluding other expenses, the unit net value is 50 yuan.
The unit net value of open-end funds is announced after the daily closing, while closed-end funds are announced every week, and a fund has only one net value a day. The net value of the newly established fund unit is 1 yuan.
2. Is the unit net worth high or low?
The net value of the fund is not directly related to the expected return and risk of the fund. Unlike stocks, high net worth means high risk. The relationship between the high net worth of funds and the professional level of fund managers is more direct, but there may be a ceiling of expected returns for high net worth products.
Similarly, the low net value of the fund does not mean that there is a large room for appreciation. Some fund companies will artificially reduce the net value of funds through dividends and spin-offs. , thus inducing investors to buy, but fund companies generally raise subscription fees and management fees at the same time.
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. If the fund has been established for a long time, or has grown rapidly since its establishment, the net value of the fund will naturally be higher; If the fund is established for a short time, or the entry time is not good, the net value of the fund may be relatively low. Therefore, if only the current net value of the fund is used as the standard of whether to buy the fund, the wrong decision will often be made. Buying a fund depends on the future growth of the net value of the fund, which is the correct investment policy.