dividend trust, it deals at any time?

The financial products of every month distribution type very in someone profit?

Popularity has gotten together in the investment trust where you can receive the dividend periodically.In the low interest rate, for the pensioner the financial products where the dividend (interest) comes out periodically are to be grateful ones, but for the person whom it tries to form property, the dividend (interest) at each time it appears tax is deducted, because it cannot take part in benefit of the compound interest effect, can call the disadvantageous commodity, (and, when interest and the like is received, the difficult point that… it is used,).

When we assume that it is the money which content of the dividend put out by your?

By the way, you know concerning the mechanism where the dividend of investment trust comes out? When you can receive the large amount of dividend, it is to be delightful ones when we assume…, but if those which, your that money pay by yourself just are simply repaid?

For the understanding, it explains from the mechanism where the dividend of investment trust is paid first.

Device of investment trust

We assume that in order to make story simple, 1000 people 1 inserted the money in fund 10,000 Yen at a time.When it does, the money which is 10,000,000 Yen in total gets together.We assume that the fund manager used your this money.

When after the using, 10,000,000 Yen increases to 12,000,000 Yen…

the entire assets of the fund1200increases to ten thousand yen, per capita, (1000dividing the human) 12,000yen will be (the entire asset2percentage has increased since, that originally issued1ten thousand yen2increasing percentage, 12,000the yen rose to) .

1.initially, the fund nav10,000start in the yen
2.the entire assets under management2net asset value and also allocate more2percentage increase
3.nav12,000become yen

· upon receiving the dividend

fund manager has increased200of the ten thousand yen, 150i decided to give investors a minute divided into ten thousand yen. that is, 150suppose you decided to pay dividends to investors as a ten thousand yen.

150ten thousand yen is separately from the assets of the fund, will be paid to investors as dividends. this150million yen1000investors are divided by the people and a per capita1,500you can receive a dividend of ¥.

on the other hand, assets of the fund150i was paid ten thousand yen to investors, 1200from ten thousand yen150minus the ten thousand yen1050will be reduced to ten thousand yen. that is, money is also a person who has been put into a fund, 12,000yen10,500yen (1050million yen÷1000) will be reduced to that.

1.nav 12,000at the time of the yen
2.is dividend1,500the yen will be paid
3.nav after the distribution payment10,500yen will be.

as in this case, nav everyone10,000meaningful if it is to buy funds in yen, free buy and sell funds at any time (additional type of equity investment trusts) in, purchase price will vary each.

people have bought from the start of the fund, if you look at the report of fund, what is obvious is what has come out that is a profit loss, people who bought after the operation has started is, is a careful, especially! !

is important from here! in the next page>>

Amr.10,000yen, Bmr.11,000when you buy a fund in the yen?

the previous fundAi initially set up to10,000purchased in the yen, Bthe fund’s nav is the start of the operation11,000assume that you have purchased when the yen was.

this fund, continued to rise steadily thereafter, nav is12,000settlement was reached the yen when it becomes. there, fund managers, dividends to investors1,500i decided to pay the yen. at this time, transition of reference price is as follows:.

Acontent of dividends of mr?

Amr, nav10,000since the funds in yen to buy, 2,000minutes for rising yen gain. appreciation of the benefit at this time, 1,500also received as a dividend to ¥, still500minutes left ¥ rise in profit.

that is, 20%minutes of the rise in, 15%received as a dividend, rise in the remaining minutes5%will that leave in the fund.

incidentally, tax on dividends is, the current tax rate10%because it is, 1500yen×10%=150will be ¥.

the problem isBcontents of the dividend’s!

Bmr, nav11,000since the funds in yen to buy, benefit of advancing1,000is ¥. but, is dividend1500it will be paid with yen, gain-minute rally1,000in the yen is not enough, to invest their own money500will also be refunded yen.

the report of the fund operation, dividend payment is1500although it is described as yen, Bof profits for mr1,000yen, remaining500circle, their money has been refunded but i also do not want. and, amount of investment to fund, the original11,000yen10,500you will change into yen (change of the individual principal) .

tax on dividends is, of profits (1000yen) it takes only against, 1,000yen×10%=100will be ¥. 500the yen is only so that they invested their own money back, of course, tax does not take.

(corresponds to the minutes of the dividend income1000required to pay taxes on ordinary dividend portion is called yen. on the other hand, will be refunded500part is called a special dividend yen, tax does not take. )

in addition worst, Cmr? on the next page>>

in addition worstCthe case of mr.?

if the value of the previous criteria of the fund, 14,000after the yen rose to near, the closing date12,000suppose you have a circle.

Cthe fund’s net asset value of this13,000after you have purchased for $, fund will continue to fall, the closing date is the reference value12,000suppose you have a circle.

13,000you purchased the fund in the yenCmr, nav is12,000already at the date of closing of the circle1000also suffered losses due to depreciation of yen, assets has been reduced. in that, is dividend1,500the yen has been paid. that is, in which the price, further, from their own money out of the original1500it will also be refunded to that ¥.

attention to the contents of the dividend!

i got a lot of dividend! also delighted with the, only is refunded my money was in fact! it is also that.

even if you buy the same fund, depending on the level of dividends and the purchase price, content of dividend (why profit, why refund of their money out) is, different.

even though it received a large amount of dividend, once you cancel the fund, that you might be less than the principal invested in accordance with the dividend received. purchase price, level of dividend, look to determine properly the change in net asset value is important.

* in this article, the commission does not consider income

/hiromi ueno