Is it better to buy wealth management or fund?
Generally speaking, buying wealth management is less risky than the fund, and the income will be relatively low. Investors should choose financial management or funds within their acceptable risk range. Financial management is more suitable for investors with low risk tolerance, and funds are suitable for investors with high risk tolerance. There are also low-risk funds in the fund, and you can choose two kinds of investments at the same time. In addition, in addition to considering risk tolerance, investors can also choose between funds and wealth management according to income and investment period.
Financial management is divided into five grades according to the risk (from small to large, the risk is R 1-R5). Investors with low risk tolerance can choose financial products with R2 or below, while investors with high risk tolerance can choose financial products with R2 or above.
Funds are divided into different types according to investment targets. Investors with low risk tolerance can choose money funds and bond funds, while investors with high risk tolerance can choose hybrid funds, stock funds, index funds and ETF funds.
What are the fund transaction fees?
1, subscription fee
The calculation method of subscription fee is subscription fee = subscription amount × subscription rate, and net subscription amount = subscription amount-subscription fee; The subscription rate is usually around 1%, and there are corresponding discounts with the size of the subscription amount.
2. Subscription fee
The subscription rate shall not exceed 5% of the subscription amount. At present, the subscription fee is usually around 1%, which will decrease with the increase of subscription amount.
3. Redemption fee
Redemption fee refers to the handling fee paid by investors who already hold fund shares to fund managers during the existence of open-end funds.
4. Switching costs
The conversion fee refers to the fee that investors need to pay to convert their investments between different open-end funds managed by the same fund management company according to the provisions of the fund manager.