It was my friend's mother who bought the fund ... she didn't understand it and I didn't understand it ... She showed me the 41 Huaan Innovation Fund she bought on October 26th, 27.

on October 26th, 27, the closing price of the fund was 1. yuan/share, the subscription rate was 1.5%, the subscription fee was 1,× 1.5% = 15 yuan, and the actual fund share was 1,-15 = 9,85. In January, 21, the fund paid a dividend of .2 yuan for every 1 shares. If the dividend was not transferred, the default cash dividend was 985×.2/1=197 yuan.

currently, the selected redemption is .797 yuan/copy× 985 copies =785.45 yuan, and the redemption rate is charged at different rates according to the actual holding days. As the redemption rate is .1% for less than 146 days, the redemption fee is deducted: 785.45×.1%=7.85 yuan.

the book loss is 196.4 yuan, and the calculation formula is: 197+785.45-7.85-1=-196.4 yuan.

There are risks in investing in stock funds. Individuals can choose bonds or currency low-risk funds according to their risk tolerance. At the current price, they can also make up their positions or make a fixed monthly investment to reduce the cost and redeem them after making profits.