It is said that the trading fund must pay the handling fee in one lump sum, and it does not need to be paid at other times.
In order to prevent the sales organizations from jointly driving up the handling fee to harm the interests of investors, or excessively lowering the rate to cause vicious competition in the industry, many countries and regions generally set upper or lower limits on the handling fee of fund transactions.
There are generally three kinds of expenses for purchasing open-end securities investment funds:
First, the purchase of newly established funds should pay a "subscription fee";
Second, the purchase of old funds needs to pay a "subscription fee";
Third, you need to pay a "redemption fee" when the fund is redeemed. The general subscription rate is 1.2%, the subscription rate is 1.5%, and the redemption rate is 0.5% (money market funds are free).
The calculation formula of fund subscription is: subscription fee = subscription amount × subscription rate. Net subscription amount = subscription amount-subscription fee+interest subscription share from subscription date to fund establishment date.
The calculation formula of fund subscription is: subscription fee = subscription amount × subscription rate. Subscription share = (subscription amount-subscription fee) ÷ Net value of the fund unit on the application date.
Money funds and most bond funds do not charge fees.
Other fund redemption fees:
Redemption fee = fund share × current fund net value × redemption rate, generally:
0 ~ 1 year 0.5%
Kameng. com-Industrial and Commercial Bank of China gonghang.kameng.com Branch
1 ~ 3 years 0.25%
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1. Termination of fixed investment. You can find your current fixed investment quota agreement in online banking, and then apply for termination, so don't worry. It will definitely be confirmed. Continue to make a fixed investment, and Galaxy will automatically deduct the money without doing anything.
2. Redeem the fund shares held, and click Redeem in the held funds. Of course, you can hold it for a period of time and then redeem it, completely unaffected by the termination of the fixed investment. The redemption fee is generally 0.5%. If it is a back-end fund, the back-end subscription fee (generally higher than the front-end subscription fee 1.5%) should be paid in addition to the redemption fee.
3. Fund investment is not suitable for short-term operation. Redemption after only one investment is not cost-effective, and you will get a handling fee of about 2% and a loss of the fund's net value in vain. It is best to give the fund a year or so to really see its level.
General stock funds will be confirmed in 1-2 working days and will be received in 3-7 working days. After redemption, no operation is required. The confirmation of the fund company shows that the transaction has been successful, and the record of funds in transit also confirms this, just waiting for the money to arrive.