Buying a fund needs to pay attention to the rate, but it is not necessary to take the "zero rate" too seriously. Take the redemption fee as an example. Most funds are generally redeemed by deducting the redemption fee, but the longer they are held, the less the redemption fee will be, and the redemption fee will not be needed if they are held for a long time.
There are also funds with a rate of 0, such as Fuguo Anyi, whose subscription fee and redemption rate are both 0%, but they charge 0.25% sales service fee, 0.05% custody fee and 0. 14% management fee every year.
Extended data
Reasons for price fluctuation of national debt:
The prerequisite for obtaining coupon rate is that you must hold a three-year national debt with a face value of 100, and coupon rate's is 5%, with interest paid at the end of each year. Then you hold it for three years, and you get 5 yuan interest at the end of the first year and the second year, and you get 105 yuan (principal+interest) in the last year. But don't forget, national debt can also be traded in the secondary market. Since it is a listed transaction, price fluctuations will naturally occur.
Judging from the big monetary environment, domestic liquidity is still relatively loose at present, and the liquidity tension at the end of the year is mostly due to the pressure of bank deposits and assessment, which is generally a short-term phenomenon and will not completely deviate from the overall monetary policy.
In addition, from the perspective of domestic economy, the central bank is unlikely to tighten monetary policy in the downward channel, which is essentially different from the situation that the US economy is improving and entering the interest rate hike cycle. In addition, from the experience, generally, the stock market will be relatively dull at the end of the year, because investors have a strong wait-and-see mood and short liquidity, so the stock market will be relatively dull, which is also a situation that needs attention.