Suppose we buy a fund with 1 ten thousand yuan and hold it for 10 years. /kloc-how much money can we get after 0/0 years?
We calculate it according to the average market income for three years.
The average annualized income of common stock funds in three years is about 16%. If it can be held for 10 years for a long time, the accumulated due principal plus income can reach 44 1 14.35 yuan according to compound interest.
As long as you can hold it for a long time, the income is very considerable, and this is only the average income level of the market. As long as you can choose an excellent fund with above-average long-term performance, it is entirely possible for the yield to exceed this level.
The average annualized income of ordinary hybrid funds for three years is about 18.57%. If it can be held for 10 years for a long time, the accumulated principal plus income can reach 54,922.23 yuan according to compound interest.
Hybrid funds and equity funds are both funds with relatively high expected returns. If you can have a certain fund selection ability, you can choose the best among many funds and insist on holding them for a long time, you can completely exceed the average level.
The average annualized income of ordinary bond funds for three years is about 5.33%. If it can be held for 65,438+00 years, it will expire at 65,438+06,808.19 yuan.
The stability of bond fund income is relatively high, and the income gap will not be too big, generally near this level.
The average annualized income of ordinary index funds for three years is about 10.57%, and the principal plus income of investment for ten years is 273 13.23 yuan.
The average annualized income of the common money fund for three years is about 2.8%, and the investment principal plus income for ten years is 13 180.48 yuan.
How much is the handling fee of 10000 yuan for the fund?
The following is the question of handling fee. Suppose you buy a fund with 1 10,000 yuan and hold it for one year. What is the transaction cost of the fund?
Subscription fee: the subscription fee of the fund is usually 65,438+0%, and there is generally no discount. Buying 1 ten thousand yuan is the subscription fee of 100 yuan.
Subscription fee: the subscription fee of the fund is generally 1.5%, and the subscription fee of the old fund will be discounted by 1, which is 15 yuan.
Redemption fee: the fund's redemption fee is generally 1.5%, that is 150 yuan. If it is held for less than 7 days, a punitive redemption fee of 1.5% will be charged as required, but the longer it is held, the lower the redemption fee will be. Most funds will be charged if they hold more than 1 year.
Management fee: money market funds are 0.33%, bond funds are usually around 0.65%, and stock funds are usually between 1% and 1.6%, respectively between 33, 65, 65,438+000 and 160. The management fee of active funds is higher than that of passive funds.
Custody fee: Custody fee is usually drawn according to a certain proportion of the fund's net asset value, usually 0.25%, and accumulated daily.
The transaction cost of the fund adds up to a lot of expenses, which is one of the important reasons why we don't want to trade in the day.