First, the same fund has Class A and Class C. Careful friends will find that the same fund has Class A and Class C. Why should the same fund be divided into Class A and Class C? This is because setting the fund as Class A and Class C can meet the needs of different investors.
Equity funds and hybrid funds divide the fund shares into Class A and Class C. Class A funds charge redemption fees but do not charge sales service fees, while Class C funds charge sales service fees and do not charge redemption fees.
The redemption fee of Class A funds is charged according to the amount, and the longer it is held, the lower the rate, or even free. For example, if it is held for more than 1 year, the subscription fee is exempted. If the fund is redeemed for less than 7 days, the maximum penalty will be 1.5%. It can be seen that Class A funds are suitable for long-term holding and long-term investment.
The sales service fee of Class C funds is charged according to the holding days. The longer you hold it, the more you charge. Therefore, Class C funds are suitable for short-term investment, and choosing Class C funds is more cost-effective than Class A funds.
Second, the purpose of buying Class A and Class C funds at the same time The same investor buys the same fund, both Class A and Class C, mainly for two purposes: First, to meet the needs of different investment models; The second is to avoid subscription restrictions.
1. Meet different investment modes.
Many times, we take a fancy to a fund and hope to hold it for a long time and share the long-term income of the fund; I also hope that during the period of holding the fund, I can do some bands, throw high and suck low, get a certain spread income and increase investment income. At this time, from the perspective of reducing transaction costs, long-term investment funds will buy Class A shares, while those planning to day trading will buy Class C shares. In this way, the fund can invest in two modes at the lowest cost.
Step 2 avoid subscription restrictions
When a fund has outstanding performance, many funds will actively purchase. In order to protect the interests of existing investors, fund companies will limit the subscription amount, for example, each investor can only subscribe for 6.5438+0 million yuan at most every day. This policy applies to both Class A and Class C, which means that Class A can subscribe for 10000 yuan every day, and Class C can subscribe for 10000 yuan every day. Therefore, in order to buy more funds, many investors will buy Class A shares and Class C shares at the same time, so as to get twice the subscription amount and achieve the purpose of increasing investment in a short time.
Finally, it should be noted that Class A and Class C are two shares of the same fund, with the same fluctuation range, so there will only be a slight difference in net value between them because of different fees. For example, a fund was established on March 23, 20 18, and on September 7, 20021year, the net value of Class A was 3.2722 yuan, and that of Class C was 3.390658. Therefore, we should pay attention to the allocation of funds in different funds, and we should not buy all the huge funds of Class A and Class C of the same fund, so as not to suffer double losses when the net value of the fund falls sharply.