The difference between fund A and fund C:
1, recovery is different: the same fund has subscription fee and redemption fee. The longer the holding time, the smaller the redemption fee, and the lowest can be zero; There is no subscription fee for Class C shares, but there is a sales service fee and a redemption fee, which decreases with the increase of holding time.
2. Different deductions: Class C funds are designed for users who like short-term investment. So, let's draw a conclusion first. You can buy class C funds for short-term investment and class A funds for long-term investment. To what extent do you buy Class C in the short term and Class A in the long term? Here is an example of Xi Cai Jun.
Taking bonus funds as an example, assuming that the subscription amount is less than 654.38+0 million, the transaction costs of the two types of funds (excluding custody fees and management fees) are as follows: the subscription fee of Class A funds is 654.38+0% (excluding preferential treatment), excluding sales service fees; For 7 days to 1 year, the redemption fee is 0.5% to 0.25%.
If it is held for more than one year, the redemption fee will be exempted. Class C funds do not charge subscription fees, and the annual sales service fee is 0.4%. If they are held for 7 days to 30 days, they will be redeemed by 0.5%, and the redemption fee will be exempted for more than 30 days. Holding time is less than 1 year, class A income is 1%, and class C income is 0.4%; If it is held for more than 65,438+0 years, Class A will still get 65,438+0%, while Class C will spend more than Class A if it is held for more than 2.5 years.
: fund
Fund, in English, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.
From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.
Classification of funds:
According to different standards, securities investment funds can be divided into different types:
(1) According to whether the fund unit can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.
(2) According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.
(3) According to the different investment risks and returns, it can be divided into growth funds, income funds and balanced funds.
(4) According to different investors, it can be divided into bond funds, stock funds, money funds and hybrid funds.