中文：

基金什么时候算收益？基金的收益计算通常是在每个交易日的下午三点以后，此时基金的收盘价会根据当天的交易情况进行结算。在结算时，基金公司会根据基金的净值和持有份额计算出每个份额的收益，并将收益分配给投资者。

需要注意的是，基金的收益计算会受到市场波动的影响。如果市场行情较好，基金的收益可能会相应增加；如果市场行情较差，基金的收益可能会相应减少。因此，投资者在购买基金时需要充分了解基金的投资策略和市场情况，以便做出明智的投资决策。

此外，不同类型的基金在收益计算方面也存在差异。例如，股票型基金的收益主要来自于股票价格的上涨，而债券型基金的收益则主要来自于债券的利息收入和债券价格的上涨。因此，投资者在选择基金时需要根据自己的风险偏好和投资目标进行选择。

英文：

When is fund收益 calculated? The calculation of fund收益usually occurs after 3:00 pm on each trading day, when the closing price of the fund is settled based on the trading conditions of the day. At the time of settlement, the fund company will calculate the yield of each share according to the net value and holding shares of the fund, and distribute the yield to investors.

It should be noted that the calculation of fund yield is influenced by market fluctuations. If the market is performing well, the yield of the fund may increase accordingly; if the market is performing poorly, the yield of the fund may decrease accordingly. Therefore, investors need to fully understand the investment strategy and market situation of the fund when purchasing funds in order to make informed investment decisions.

In addition, different types of funds also differ in terms of yield calculation. For example, the yield of equity funds mainly comes from the rise in stock prices, while the yield of bond funds mainly comes from interest income and the rise in bond prices. Therefore, investors need to choose funds according to their risk preferences and investment goals.