The calculation formula for purchasing funds is: net subscription amount = subscription amount /( 1+ subscription rate), and subscription share = net subscription amount/net fund share on T day.

Such as: 65,438+00,000 yuan to buy the fund, the subscription rate is 0.65,438+05%, and the net value of the fund on that day is 2 yuan. According to the above formula, the handling fee needs 14.98 yuan.

The calculation formula of fund selling fee: redemption fee = redemption quantity × fund share net value × redemption rate.

For example, if you hold 100 funds, the net value of the fund is 2 yuan, and it will be 1.5% after holding for 7 days. The handling fee for selling the fund is: 100*2* 1.5%=3 yuan.

The subscription fee of the Fund is related to the subscription amount.

Generally, the larger the purchase volume, the less the cost, and some consignment agencies will have discounts. The redemption fee of the fund is related to the holding period. In order to protect the interests of long-term investors, the current domestic redemption fee is 1.5%, which generally takes more than two years to be exempted.

The funds purchased by Alipay platform belong to fund consignment, so there are many types of funds on Alipay platform. Investors can choose money funds, bond funds, stock funds or mixed funds according to their risk tolerance, and the handling fees of different funds are different.