微信理财通收益怎么算

微信理财通作为一种常见的互联网理财工具，其收益的计算方式对于投资者来说至关重要。

微信理财通的收益计算主要依据以下公式：当日收益 = (理财通账户资金 / 10000)×基金公司当日公布的每万份收益。

为了让您更清晰地理解，我们通过举例来说明。假设 6 月 3 日微信理财通的广发基金天天红每万份收益为 1.2040 元，若您的账户资金为 10000 元，那么当日收益为(10000 / 10000)×1.2040 = 1.2 元。

需要注意的是，大多数投资者在选择投资互联网理财产品时往往过度关注 7 日年化收益率，实际上，影响投资者实际收益的主要因素还是每万份收益。7 日年化收益率更多地是用于展示收益的趋势。

在投资微信理财通时，时间节点也非常重要。尽量在当天的 15:00 之前完成转入，否则至少会损失一天的收益。而且要尽量避免在周五 15:00 后将资金转入理财通，因为这样会在下周二才开始计息，至少损失了两天的收益，甚至连银行的活期利息都无法获得。

如果您在当天下午三点之前买入，第二天就会开始计算收益，第三天就可以在余额中查询到收益。但如果是下午三点之后买入，就要等到第三天才能开始计算收益。

另外，理财通资金转投也有特定的收益计算方法。若将货币基金 A 转投货币基金 B，实时转投成功后，货币基金 A 实时减少资产，货币基金 B 实时增加对应资产，货币基金 A 当天（T 日）无收益，货币基金 B 从 T + 1 开始计算收益。若将货币基金 A 转投保险理财 B，当保险理财 B 在交易时间内且未售罄，实时转投成功后，货币基金 A 实时减少资产，保险 B 实时增加对应资产，货币基金当天（T 日）无收益，保险 B 从 T + 1 开始计算收益。

还有一种容易理解的计算方法。由于每个基金公司公布的收益率大多是 7 日年化收益率，这个收益率相当于 7 日的平均收益，会有波动。假如您存了 10000 元到微信理财通，那么一年的收益大约为 10000×七日年化收益率。例如，2014 年 1 月 18 日微信理财通的七日年化收益率为 6.4690%，若存入本金为 10000，就表示您一年的收益大约为 10000×6.469% = 646.9 元，而每日的收益率就是：10000×6.469% / 365 = 1.77 元。但由于年化收益率是有波动的，所以每日及一年的收入会有所出入。

投资者当日收益分配的计算保留到小数点后 2 位，当投资金额按万份收益计算后，收益不足 1 分，无法获得收益分配。因此，建议最少投资 100 元以上。

总之，了解微信理财通的收益计算方法，有助于您更好地规划投资，实现财富的增值。

How to Calculate the Returns of WeChat Licaitong

WeChat Licaitong, as a common Internet financial management tool, the calculation method of its returns is crucial for investors.

The returns of WeChat Licaitong are mainly calculated based on the following formula: Daily returns = (Funds in the Licaitong account / 10,000) × The per 10,000 returns announced by the fund company on that day.

To make it clearer for you, let's take an example. Suppose the per 10,000 returns of Guangfa Fund's Tian Tian Hong in WeChat Licaitong on June 3rd was 1.2040 yuan. If your account funds were 10,000 yuan, then the daily returns would be (10,000 / 10,000) × 1.2040 = 1.2 yuan.

It should be noted that most investors tend to overly focus on the 7-day annualized rate of return when choosing to invest in Internet financial products. In fact, the main factor affecting the actual returns of investors is still the per 10,000 returns. The 7-day annualized rate of return is more used to show the trend of returns.

When investing in WeChat Licaitong, the timing is also very important. Try to complete the transfer before 3:00 PM on the same day; otherwise, you will lose at least one day's returns. And try to avoid transferring funds into Licaitong after 3:00 PM on Friday, because in this case, the interest will only start to be calculated on the following Tuesday, resulting in a loss of at least two days' returns, not even the current interest of the bank.

If you purchase before 3:00 PM on the same day, the returns will start to be calculated on the next day, and you can check the returns in the balance on the third day. But if you purchase after 3:00 PM, the returns will only start to be calculated on the third day.

In addition, there are specific calculation methods for the transfer of funds in Licaitong. If you transfer from Monetary Fund A to Monetary Fund B, after the real-time transfer is successful, the assets of Monetary Fund A will decrease in real time, and the corresponding assets of Monetary Fund B will increase in real time. Monetary Fund A has no returns on the same day (T day), and Monetary Fund B starts to calculate the returns from T + 1. If you transfer from Monetary Fund A to Insurance Finance B, when Insurance Finance B is within the trading hours and not sold out, after the real-time transfer is successful, the assets of Monetary Fund A will decrease in real time, and the corresponding assets of Insurance B will increase in real time. Monetary Fund has no returns on the same day (T day), and Insurance B starts to calculate the returns from T + 1.

There is also an easier way to understand the calculation. Since the rate of return announced by each fund company is mostly the 7-day annualized rate of return, which is equivalent to the average return of 7 days and is subject to fluctuations. Suppose you deposit 10,000 yuan into WeChat Licaitong, then the annual return is approximately 10,000 × the 7-day annualized rate of return. For example, on January 18, 2014, the 7-day annualized rate of return of WeChat Licaitong was 6.4690%. If the deposited principal was 10,000 yuan, it means your annual return is approximately 10,000 × 6.469% = 646.9 yuan, and the daily rate of return is: 10,000 × 6.469% / 365 = 1.77 yuan. However, due to the fluctuations in the annualized rate of return, the daily and annual incomes will vary.

The calculation of the investor's daily returns is retained to two decimal places. When the investment amount is calculated based on the per 10,000 returns and the returns are less than 1 cent, no returns can be distributed. Therefore, it is recommended to invest at least 100 yuan or more.

In conclusion, understanding the calculation method of the returns of WeChat Licaitong can help you better plan your investment and achieve the appreciation of wealth.