How much is the fund investment fee?
There are two parts to the fund investment expenses, one is the expenses to be paid for the purchase of the fund, and the other is the fund investment service fee.
When we buy a fund, there will be a subscription fee or subscription fee. The former charges when buying a new fund, while the latter charges when buying an old fund. The rate is generally between 0.5%- 1.5%, but many channels will have a 10% discount. There will be a redemption fee when selling the fund. The shorter the holding time, the higher the cost. Take stock funds as an example. Generally speaking, the redemption fee may be as high as 1.5% if it is held for less than 7 days. Hold less than one year, 0.5%. If it is held for more than 2 years, no redemption fee will be charged. In addition, there are management fees and custody fees during the fund holding period. The management fee is paid to the fund company, and the custody fee is paid to the custody bank. Similarly, taking stock funds as an example, the general management fee is 65438+ 0.5% per year, and the custody fee is 0.25% per year.
In particular, buying C-type funds does not charge subscription fees or subscription fees, but adds sales service fees. The rates of different funds vary greatly, ranging from 0. 1% to 1%. The accrual method will also be different. The sales service fee is calculated at the annual rate, and the fee is deducted from the daily net value; Subscription/subscription fee shall be accrued in one lump sum according to the subscription amount.
Next, let's talk about another part of the cost of fund investment, which is the service fee of fund investment that many friends care about. The rates of different types of fund investment strategies are also very different. Fund investment strategies include monetary optimization, prudent financial management, enhancement of fixed income, pursuit of value-added, pursuit of high income, high-end financial management and pension education scenarios. At present, the market interest rate last year was around 0.2%- 1%. The possibility of preferring short-term financial management is low, and the possibility of preferring stock funds is high.
At present, many investors buy funds to make money, but investors are not. This is because it is difficult to choose a fund. Some people like to chase up and down, and there are short-term transactions or frequent base changes. Fund investment is mainly to solve the problem of "funds make money, customers don't make money". After investors sign up for fund investment business, the investment team makes decisions and executes transactions on behalf of customers, which can effectively avoid the above problems.
Finally, remind investors that the fund is risky and investment needs to be cautious.