1. Different fund companies issue different rates. Under normal circumstances, the subscription fee of bond funds is lower than that of stock funds, which is about 1%- 1.2%, and some of them are not charged. The redemption fee is generally reduced from 0.5% to 0 according to the holding period.

2. No bond fund is specified to buy, and the actual rate cannot be calculated. Rate of return? First, you should correct a misunderstanding. Buying a bond fund is different from buying bonds directly by yourself. The rate of return of bond funds is not fixed, and there is no income if you choose badly! In extreme cases, it is even possible to lose the principal (this situation has not happened since last year, but it has happened before)! Last year, for example, the yield of the best bond funds exceeded 30%, and the worst was only 4%. So it is very necessary to choose a good fund!