Fund Historical NAV Lookup

What Is It / Concept Explanation

Simply put, a mutual fund's historical Net Asset Value (NAV) is the market value of a single share on a specific date. When you look at the cumulative NAV, it already factors in historical dividends and stock splits, providing a truer reflection of long-term performance. Our tool helps you pull daily NAVs for a specified date range with one click and automatically calculates the period return rate—no more manual Excel calculations.

Principles & Formulas / Algorithm

To calculate exactly how much an investment has earned, there are two core formulas:
Cumulative Return Rate = (Ending Cumulative NAV - Beginning Cumulative NAV) / Beginning Cumulative NAV × 100%
Annualized Return Rate = (1 + Cumulative Return Rate)^(365 / Days Held) - 1
The intuition behind the first formula is: the difference between what one share cost at the beginning and what it is worth at the end is your profit. The second formula standardizes returns over different timeframes to a one-year baseline, allowing for fair comparisons between different funds.

How to Use This Tool / Step-by-Step Guide

1. Enter the 6-digit fund ticker/code in the "Fund Code" input box at the top of the page. For example, E Fund Small and Mid Cap Mixed is 110011.
2. Select your desired date range in the "Start Date" and "End Date" dropdowns, such as 2023-01-01 to 2023-12-31.
3. Click the blue "Query NAV" button. A table will instantly appear below, displaying the unit NAV, cumulative NAV, and daily percentage change for each trading day.
4. Scroll horizontally to the far right of the table to see the automatically calculated "Period Return Rate" column, which uses the cumulative NAVs from the start and end of your selected timeframe.
5. If you only want to analyze a specific sub-period, you can highlight a few rows in the table with your mouse. A small panel on the right will display the return rate and annualized return rate for that selected segment in real-time.

Complete Example / Practical Walkthrough

Let's walk through an example using the E Fund Small and Mid Cap Mixed fund. Open our "Fund NAV Lookup Tool" above:

• Enter 110011 in the "Fund Code" box;
• Select 2023-01-01 as the "Start Date" and 2023-12-31 as the "End Date";
• Click query and wait for the table to load. Note that the cumulative NAV in the first row is 8.5021, and in the last row, it is 9.2015.
• The calculator automatically uses the formula to find the cumulative return rate = (9.2015 - 8.5021) / 8.5021 ≈ 8.22%. This number will be displayed directly in the "Period Return Rate" card above the table.
• If you want to know the annualized return rate for this year, since it is exactly 365 days, the annualized return = 8.22% (the holding period equals one year). The resulting 8.22% represents the return this fund brought to its holders over that year.

Interpretation: An 8.22% return outperforms bank wealth management products (which yield about 3% over the same period) but falls short of the CSI 300 Index's ~10% gain. Given the fund type (equity-leaning mixed), this return is considered average.

More Examples / Multi-Scenario Comparisons

Comparison 1: Different Time Periods
Change the dates to 2022-01-01 through 2022-12-31. In 2022, this fund's cumulative NAV went from 8.1035 to 8.5021, return rate = (8.5021 - 8.1035) / 8.1035 ≈ 4.92%. This positive return is rare in a bear market. By comparing the two years, you can more objectively judge the fund manager's investment ability.

Comparison 2: Differentiating Dividend Methods
Assuming you hold cash dividend shares (rather than reinvested dividends), the cumulative NAV provided by the tool already includes dividends, so the calculated return rate is the true total return including those dividends. If you calculate using the unit NAV, you might miss the dividends.

How to Interpret the Results / Meaning of Values

Period Return Rate	Meaning & Recommendation
> 20%	Strong signal: The market or fund manager performed exceptionally well during this period, but be cautious of chasing highs.
5% ~ 20%	Moderate return: Aligns with the long-term annualized average of equity-leaning funds; suitable to hold.
0% ~ 5%	Weak return: Underperforms the long-term average; consider whether you need to switch assets.
< 0%	Loss period: Evaluate the market environment to determine if this is a short-term correction or a deteriorating trend.

Note: The return rate alone cannot determine the quality of a fund; it must be compared against peer funds and performance benchmarks.

Common Mistakes / Pitfalls to Avoid

1. Using Unit NAV instead of Cumulative NAV: Unit NAV does not include dividends. Calculating returns with it will yield artificially low or even negative results, leading to misjudgments.
2. Ignoring Ex-Dividend Dates: NAVs can drop sharply on the day of a dividend payout or stock split. The tool automatically handles this using a backward-adjusted algorithm, but you can easily make mistakes if calculating manually.
3. Including Non-Trading Days: If your selected start or end date falls on a weekend or holiday, the tool automatically snaps to the nearest trading day, which might cause confusion if you expect the exact date.
4. Confusing Annualized and Cumulative Returns: When holding for less than a year, directly comparing the cumulative return to a one-year fixed-income product will exaggerate or understate performance. You must look at the annualized return.
5. Forgetting Management/Custodian Fees: While the NAV already deducts fund operating expenses, purchase and redemption fees are not included. Your actual realized return will be lower after deducting these fees.

Limitations & Boundaries / Important Notes

• NAV Data Delays: Daily NAVs are typically published on the evening of the trading day, so querying "today's" data usually returns the previous trading day's NAV. For major decisions, please refer to the fund company's official website or regulatory designated disclosure platforms.
• Adjustment Methods: This tool defaults to backward adjustment (adjusting historical prices based on current ones), which reflects historical long-term returns more accurately than forward adjustment. However, different platforms may use forward adjustment, so be mindful when comparing.
• Not Investment Advice: The results from this tool are for educational and research purposes only and do not constitute advice to buy, sell, or hold. For actual investments, please consult professionals and review the fund contract and prospectus.

Frequently Asked Questions (FAQ)

1. What is the purpose of looking up historical fund NAVs?
   It is primarily used to review past performance, such as verifying your dollar-cost averaging (DCA) returns, comparing the volatility of different funds, and assessing a fund manager's trading style without relying on data from sales agencies.
2. How can I use this tool to judge if a fund is good?
   It is recommended to look at the period return rate, maximum drawdown, and peer rankings simultaneously. If the return is high but the drawdown is also large, it indicates high volatility risk.
3. Why is the return rate I see different from my account's actual return?
   Possible reasons: Your buy/sell dates don't perfectly match the selected period, there are purchase/redemption fees, or you use a different dividend method (cash dividend vs. dividend reinvestment). This tool calculates a simplified return assuming you bought at the start and held until the end of the period.
4. Which is more accurate: Cumulative NAV or Unit NAV?
   Cumulative NAV includes dividends and is better for measuring true long-term returns. Unit NAV is used for pricing daily purchases and redemptions. They serve different purposes.
5. Why can't I find NAV data for the date I selected?
   There are no NAVs on non-trading days. The tool will automatically jump to the nearest trading day and indicate the actual date used in the results.
6. Does the tool support QDII funds?
   Yes, it supports domestically listed QDII funds, but their NAV publications might be delayed by 1-2 trading days compared to domestic equity funds. A prompt will appear during your query.

Now you can try entering your own fund code and date range in the calculator above to see its true performance. Modify the start and end dates to observe how return rates change across different bull and bear markets.

Calculation Basis / Methodology

• CSRC Fund Information Disclosure Website — The statutory disclosure source for fund NAVs, defining unit NAV and cumulative NAV.
• Securities Investment Fund Accounting Business Guidelines — Standardizes fund NAV calculation methods, including dividend processing rules.

Last updated June 2, 2026 · Maintained by Toolkk