中文：

基金分红为什么会少钱？这是很多投资者都会关注的问题。基金分红是指基金将收益的一部分以现金的形式分配给投资者，是基金回报的一种方式。但是，有些投资者发现基金分红后，自己的账户余额并没有增加，甚至反而减少了，这是为什么呢？

首先，基金分红并不是无偿分配收益，而是需要扣除一定的费用。这些费用包括管理费、托管费、销售服务费等，这些费用是根据基金的规模和持仓时间来计算的。因此，基金分红前需要先扣除这些费用，剩下的收益才会以现金的形式分配给投资者。

其次，基金分红还需要缴纳税费。根据国家相关法律法规，投资者从基金中获得的收益需要缴纳一定的税费。这个税费是根据收益的金额和持有时间来计算的，一般在分红前就已经扣除了。

最后，投资者还需要注意基金净值的变化。基金净值是衡量基金价值的重要指标，但是基金净值并不等于基金的持有价值。如果基金净值下降，那么投资者持有的基金份额价值也会下降，即使进行了分红，投资者的账户余额也可能会减少。

总的来说，基金分红并不会无偿地给投资者带来收益，它需要扣除一定的费用和税费。因此，投资者在选择基金产品时，不能只关注分红的多少，还需要考虑基金的费用和风险控制能力等因素。

英文：

Why is the fund dividend less money? This is a question that many investors are concerned about. Fund dividend refers to the distribution of a part of the fund's收益in cash form to investors, which is a way of fund return. However, some investors have found that after the fund dividend, their account balance has not increased, and even decreased, why is this?

Firstly, the fund dividend is not a free distribution of benefits, but requires deduction of certain expenses. These expenses include management fees, custody fees, sales service fees, etc., which are calculated based on the size of the fund and the holding time. Therefore, before the fund dividend, these expenses need to be deducted first, and then the remaining proceeds will be distributed to investors in cash form.

Secondly, the fund dividend also needs to pay tax. According to relevant laws and regulations of the country, investors need to pay a certain amount of tax on the proceeds obtained from the fund. This tax is calculated based on the amount of proceeds and the holding time, and is usually deducted before the dividend.

Finally, investors also need to pay attention to the change of fund net asset value. Fund net asset value is an important indicator to measure the value of the fund, but it does not equal to the holding value of the fund. If the fund net asset value decreases, then the value of the investor's fund share will also decrease, even if a dividend is paid out, the investor's account balance may still decrease.

In general, the fund dividend will not bring benefits to investors free of charge, it needs to deduct certain fees and taxes. Therefore, when selecting fund products, investors cannot only focus on the amount of dividends, but also need to consider factors such as fund fees and risk control capabilities.