The A and C returns of the same fund are different.

Although it is the same fund, as a whole investment, the two fund managers are the same, the asset allocation is the same, and the operation mode is the same, but their yields will be affected because of the different charging methods.

Class A funds charge subscription fees and do not charge sales service fees. There is no subscription fee for Class C funds, but there is a sales service fee.

Through calculation, we can find two key factors that affect the different expenses of fund A and fund C: one is the subscription amount, and the other is the holding time.

Judging from the amount of funds, the change of subscription rate of Fund A is mainly related to the size of funds. For most ordinary investors with less funds, the rate is relatively fixed, and it is more cost-effective to choose fund A when the amount of funds reaches several million.

From the perspective of investment time, Fund A charges a one-time subscription fee, and the longer it is held, the more dominant it is. Fund C charges a sales service fee, which has a short holding time and a relatively low rate, so the cost for short-term investors to buy Fund C is lower.

In short, if the investment amount is large, such as more than 654.38+0 million, and it can be held for more than 3 to 5 years, Fund A is a good choice. If you want to do short-term, also choose fund C.

In addition, whether you buy Fund A or Fund C, the redemption rate is very high within seven days, reaching as high as 1.5%. It can be said that the cost of redemption is high, and it is necessary to avoid ultra-short-term redemption.