First, the calculation method:
Fixed investment rate of return = income/principal = (market value-principal)/principal
This method does not need to consider the number and duration of fixed investment, but simply adds the invested capital as the principal and calculates the simple rate of return with the existing (market value-principal) as the income. This is the method we used above, which is suitable for the situation that we don't know the net value of the fund when buying and selling.
Fixed investment yield = (? Net fund value? -average cost)/average cost
When buying and selling funds, the yield = (selling price-buying price)/buying price. This is the yield of one-time buying strategy. Fixed investment is bought in batches, so the "buying price" should be "average cost" and the "selling price" should be "net fund value at the time of selling".
Use XIRR and IRR functions in excel for calculation:
If your investment is uncertain, you can simply and conveniently calculate it with the XIRR function in excel.
If it is a fixed-time investment, you can use the IRR function of excel.
Fixed investment online calculator: fixed investment online calculator
Second, the money fund income carry-over
Monetary fund income carry-forward is divided into daily carry-forward and monthly carry-forward, which is subject to the announcement of the fund company.
The money fund publishes its earnings once a day. In case of weekends and holidays, the accumulated income during weekends or holidays is generally announced on the first trading day after holidays.
Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount (such as 500 yuan) in a designated open-end fund at a fixed time (such as the 8th of each month), similar to the bank's deposit and withdrawal method. People usually refer to funds mainly as securities investment funds.
Fixed investment of funds is a safe investment method, and its biggest advantages are average investment cost and avoiding timing risk. Its risk is relatively low, and it has the advantages of regular investment, sand accumulation, average cost and risk diversification. Therefore, whether it is a bear market or a bull market, the fixed investment of the fund is a more suitable financial management method for ordinary investors.
References:
Baidu Encyclopedia-Fund Fixed Investment