Do short-term financial management funds have expected annualized returns on holidays? What is the expected annualized rate of return of short-term financial management funds? How to calculate?
What is the fixed investment of the fund?
Fixed fund investment refers to the time, amount and method of deduction agreed by the investor in the relevant sales organization, and the sales organization automatically completes the deduction and fund subscription from the bank account designated by the investor on the agreed deduction date.
Collection method of fixed investment fee of the Fund:
First, front-end charges. The default way is this, that is, when you buy every month, you have to pay the fixed investment fee of the fund in proportion, which increases the cost of fixed investment. If you buy at the bank counter, the handling fee is generally 1.5%, while if you buy online, the handling fee is 60-20%, and if you buy at the fund company's website, the handling fee can be as low as 40%. In addition, there is a redemption fee ranging from 0.25% to 0.5% when the fund is redeemed.
The second is back-end charges. That is, there is no handling fee for the fixed investment of the fund at the time of monthly purchase, but it can be redeemed after the holding time reaches the time specified by the fund company (ranging from 3- 10 years). In this case, there is no handling fee, which can save a lot of handling fees for the fund's fixed investment in the long run.
Note: The handling fee for fixed investment depends on the type of fund you invest in. Different funds and different fund companies charge different fees.
How to calculate the fixed investment fee of the fund?
The handling fee for the fixed investment of the fund is deducted according to the amount of your monthly subscription. If you invest in 500 yuan for one month, the monthly subscription fee is calculated according to 500 [1-1(1+subscription rate)], and you have to pay it every month.
Matters needing attention for fund fixed investment:
Unlike other funds that need to choose timing, fixed investment funds can be done at any time. Because the price you buy is different every month. Any bank will do. As long as it is convenient for investors. However, investors need to pay attention to the fact that although the fund's fixed investment is considered to be lazy, investors don't have to care about the time and amount of buying, in order to achieve the goal of many a mickle makes a mickle. However, there are some potential risks in the fixed investment of the fund. For example, the risk of market volatility. In addition, the fixed investment fund is suitable for long-term investment, and the longer the time, the lower the risk. The short-term investment benefit is not obvious.