In today's era of developed Internet, more and more people choose to invest in funds through online channels. Compared with the traditional bank counter subscription method, online subscription of funds is more convenient and faster, and the procedures are relatively low. How to calculate the handling fee of online subscription fund? This article will give you a detailed answer.

Fees for fund subscription and redemption The fees for online subscription of funds mainly include subscription fees and redemption fees. Subscription fee refers to the fees that investors need to pay when buying funds, and redemption fee refers to the fees that investors need to pay when selling fund shares. They are calculated in different ways.

1. Subscription fee:

The subscription fee is usually a percentage, which is calculated according to the amount of funds subscribed by investors. The specific subscription rate varies from fund company to fund company, generally between 0.5%- 1%. For example, if you subscribe for a fund of 10000 yuan and the subscription rate is 0.5%, then the subscription fee is 10000*0.5%=50 yuan.

2. Redemption fee:

The redemption fee is calculated in a similar way to the subscription fee, and is also calculated according to the amount of the redemption fund. The redemption rates of different fund companies are also different, generally between 0.5%- 1%. In the same example, if you sell a fund with 10000 yuan and the redemption rate is 1%, then the redemption fee is10000 *1%=100 yuan.

Other expenses of online subscription fund include subscription fee and redemption fee, and online subscription fund may also involve other expenses.

1. Escrow fee:

Custody fee refers to the fee paid by the fund company to the fund custodian as a reward for the custodian to provide asset custody services. Custody fees are generally calculated according to a certain proportion of the total assets of the fund, and the specific proportion varies from fund company to fund company.

2. Sales service fee:

Sales service fee refers to the fee paid by the fund company to the sales organization as a reward for the sales organization to provide fund sales services. The sales service fee is generally calculated according to a certain proportion of the fund's net asset value, and the specific proportion varies from fund company to fund company.

3. Transaction costs:

Transaction fees refer to the fees paid by investors when they conduct online transactions, which are used to pay the relevant fees of stock exchanges and fund brokers. The transaction fee is usually a fixed amount, which is calculated according to the amount and number of transactions. Different stock exchanges and fund brokers may have different transaction fee standards.

How to choose an online subscription fund When choosing an online subscription fund, in addition to paying attention to the handling fee, the following factors should also be considered:

1. Fund type and risk return:

Different types of funds have different risk-return characteristics, such as stock funds, bond funds and hybrid funds. Investors should choose appropriate funds according to their risk tolerance and investment needs.

2. Historical performance of the Fund:

The historical performance of the fund is an important index to evaluate the fund management ability. Investors can understand the performance of the fund by consulting the historical performance report of the fund.

3. Expenses of the Fund:

In addition to handling fees, we should also pay attention to other expenses such as fund management fees and custody fees. These expenses will have a certain impact on the income of the fund.

4. Investment strategy and management team of the Fund:

Investors should understand the investment strategy and management team of the fund to judge whether the fund conforms to their own investment philosophy.

The handling fee of online subscription fund mainly includes subscription fee and redemption fee. There are also some other expenses, such as custody fees and sales service fees. Choosing an online subscription fund depends not only on the handling fee, but also on the type, historical performance, cost, investment strategy and management team of the fund. Only by comprehensively considering these factors can we choose a suitable fund product.