2. If you buy a fund, it matters whether it is an open-end fund or a closed-end fund, or whether it is a fixed investment. If so, you should go to the fixed counter to redeem the fund.
There are many kinds of redemption fees for bank funds. Banks don't discount, and the charges are based on the bank interest rate:
Equity funds, the redemption rate (within one year) is 0.5%.
For bond funds, the redemption rate (within one year) is 0.3%
Monetary fund, redemption rate is 0.
A hybrid fund with a redemption rate of 0.5%
References:
Purchase and redemption-Agricultural Bank of China