In the same fund, investors who purchase Class A fund shares need to pay subscription fees and redemption fees. Investors who purchase Class C funds do not need to pay subscription fees, but they need to pay service fees and redemption fees;

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In the same fund, Class A funds deduct relevant fees when subscribing for the fund, which is more suitable for long-term users, while Class C funds adopt a daily charging model, which is more suitable for short-term users.

The above is the difference between Class A and Class C in the same fund.

The difference between Class A funds and Class C funds. Class C funds will not charge investor fees when subscribing, but will charge sales service fees regularly every year, and the service fees for this type of funds are calculated on a daily basis, and There is a system that waives redemption fees if the fund is held for more than 7 days. Since the daily service fee will increase as the number of days that investors hold the fund increases, Class C funds are more suitable for short-term investors.

The service fee for Class A funds is deducted directly when subscribing for the fund, and there will be no additional fees in the future, so it is more suitable for long-term investors. Both do not charge handling fees, and investors can make reasonable investment plans based on their own circumstances.

Fund, in English, is fund, which broadly refers to a certain amount of funds established for a certain purpose. It mainly includes trust investment funds, provident funds, insurance funds, retirement funds, and various foundation funds.

From an accounting perspective, funds are a narrow concept, meaning funds with specific purposes and uses. The funds we mention mainly refer to securities investment funds.

According to different standards, securities investment funds can be divided into different types:

1. According to whether fund units can be added or redeemed, they can be divided into open-end funds and closed-end funds. fund. Open-end funds are not listed for trading (it depends on the situation). They are purchased and redeemed through banks, securities firms, and fund companies. The fund size is not fixed; closed-end funds have a fixed duration and are generally listed and traded on securities exchanges. Investors pass Fund units are bought and sold in the secondary market.

2. According to different organizational forms, they can be divided into corporate funds and contract funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; it is established by a fund manager, a fund custodian and an investor through a fund contract, which is usually called a contract fund. my country's securities investment funds are all contract funds.

3. According to the differences in investment risks and returns, funds can be divided into growth, income and balanced funds.

4. According to different investment objects, it can be divided into stock funds, bond funds, money market funds, futures funds, etc.

Operational skills

First: Watch the market outlook before operating

The income from fund investment comes from the future. For example, if you want to redeem a stock fund, you can first watch Let’s look at whether the future development of the stock market will be a bull market or a bear market. Then decide whether to redeem or not, and make a choice about the timing. If it is a bull market, you can hold it for a while to maximize returns. If it is a bear market, redeem it early and be safe.

Second: Convert to other products

Converting high-risk fund products into low-risk fund products is also a kind of redemption, such as: converting stock funds into currencies fund. This can reduce costs. The conversion fee is generally lower than the redemption fee, while the risk of money funds is low, equivalent to cash, and the income is higher than current interest. Therefore, conversion is also an idea of ??redemption.

Third: Regular fixed-amount redemption

Similar to regular investment, regular fixed-amount redemption can be used for daily cash management and can also calm market fluctuations. Regular fixed-amount redemption is a redemption method that matches regular fixed-amount investment.