1. The difference between front-end fees and back-end fees for bank trading funds is that the time for fund subscription and redemption fees is variable. Front-end fees are charged when the subscription is made, while back-end fees are charged when the redemption is made. A subscription fee is charged.

2. In actual operation, there are two ways to collect open-end fund subscription fees, one is called front-end charging, and the other is called back-end charging. Front-end charges refer to the way you pay the subscription fee when you buy an open-end fund. Back-end charges refer to a payment method in which you do not pay a subscription fee when you buy an open-end fund, but pay it when you sell it.

3. The back-end charges are designed to encourage you to be able to pay for the long-term Holding a fund, therefore, the rate of back-end charges generally decreases as the time you hold the fund increases. Some funds even stipulate that if you can hold the fund for a certain period before selling, the back-end charges can be completely waived. Just a reminder, backend charges and redemption fees are different. Back-end charges are the same as front-end charges, and they are both a type of subscription fees, except that they are paid not when the fund is bought but when the fund is sold. Therefore, if you buy a fund with back-end charges, when you sell the fund, in addition to paying the redemption fee, you must also pay a subscription fee in the form of back-end charges.