In addition to the subscription fee, the fund also involves subscription fee, redemption fee, management fee, custody fee and sales service fee. The subscription fee is the fee paid when purchasing the fund; Redemption fee is the fee paid when redeeming the fund; The above fees are one-time fees and will not be charged at one time.
Management fee is the fee charged by the fund company for managing the fund; Custody fee is the fee for the custodian bank to supervise the fund company and keep the fund funds; The sales service fee is the fee charged by the fund company for sales and services; The above expenses are all non-one-time expenses, which are accrued daily and deducted from the total assets of the fund at the end of the month.
1. Calculation of subscription fee
Fund subscription generally adopts the method of "amount subscription", and the subscription fee is calculated as follows:
Net subscription amount = subscription amount /( 1+ subscription rate)
Subscription fee = subscription amount-net subscription amount
For example, if you purchase the Fund through an off-site investment of RMB 65,438+00,000, and the corresponding subscription rate is 0.80%, then the subscription fee is:
Net subscription amount = 65,438+00,000/(65,438+0+0.80%) = 9,920.63 yuan.
Subscription fee = 10000-9920.63 = 79.37 yuan.
2. Calculation of redemption fee
Fund redemption generally adopts the method of "share redemption", and the redemption price is calculated according to the net value of fund shares on T day, and the redemption fee is calculated as follows:
Total redemption amount = redemption share × net value of fund share on T day.
Redemption fee = total redemption amount × redemption rate
For example, if 65,438+00,000 shares of a fund are redeemed at the counter, assuming that the net value of the fund shares on the redemption date is 65,438+0.10 yuan, the holding period is 25 days, and the corresponding redemption rate is 0. 10%, the redemption fee can be obtained as follows:
Total redemption amount =10000×1.110 =1.100 (yuan).
Redemption fee = 1 1,100× 0.10% =110 (Yuan)
3. Calculation of custody fee
The fund custody fee shall be collected by the fund custodian. Generally, the custody fee of the day is accrued according to the net asset value of the previous day. The calculation method of custody fee is as follows:
H=E× annual rate of custody fee ÷ days of the year.
H is the daily fund custody fee.
E is the net asset value of the fund on the previous day.
The fund custody fee shall be calculated daily, accumulated daily and paid regularly.