The holding cost of the Fund consists of subscription fee/subscription fee (the initial issuance is called subscription, and the subscription after issuance is called subscription), management fee and redemption fee/selling fee.
Different funds have different holding costs. According to the risk level, money funds have the lowest expected return, simple operation and the lowest holding cost, followed by bond funds, and stock funds have the highest holding cost because of their complex management and high requirements.
Next, take the common stock fund as an example to analyze the holding cost of the fund.
For example, I think the current market has the potential to rise further, so I will buy a stock fund of 10,000 yuan. The current net value of the Fund is 65,438+0 yuan, the subscription fee is 65,438+0%/year, the redemption fee is held for no more than 65,438+0 years, and the redemption fee for more than 2 years is 65,438+0%. After holding this fund 1 year and a half, it will be redeemed at a net value of RMB.
Holding cost = subscription fee+management fee+redemption fee = 65438+ million * million *1%+120,000 * yuan.
Profit =65438+ million *-3640= 16360 yuan.
Through the above example, we will find that the holding cost of the fund is directly proportional to the holding time. The longer the holding time, the lower the redemption cost, so the fund is not suitable for short-term investment in the conventional sense. Tips: Financial management is risky, and investment needs to be cautious.