The subscription amount of open-end funds actually includes two parts: subscription fee and net subscription amount. The subscription fee can be calculated according to a certain proportion of the subscription amount or the net subscription amount. The domestic practice is generally to multiply the total purchase price (including fees) by the applicable rate to calculate the purchase fee, and deduct it from the purchase amount.
In addition, the expenses involved in the fund include subscription fee, redemption fee, management fee, custody fee, sales service fee, etc. Among them, the subscription fee and redemption fee are charged by investors when they conduct corresponding transactions. Management fee, custody fee and sales service fee are accrued from all assets of the fund every day, and they have been accrued in the net value announced by the fund.
Matters needing attention in purchasing funds
First, we should pay attention to arranging the proportion of fund varieties according to our own risk tolerance and investment purpose. Choose the fund that suits you best, and set an investment ceiling when buying partial stock funds.
Second, be careful not to buy the wrong fund. The popularity of the fund has attracted some fake and shoddy products to fish in troubled waters, so we should pay attention to identification.
Third, pay attention to the post-maintenance of your account. Although the fund is worry-free, it should not be left unattended. Always pay attention to the new announcements on the fund website, so as to have a more comprehensive and timely understanding of the funds you hold.
Fourth, pay attention to buying funds, and don't care too much about the net value of funds. In fact, the fund's income is only related to the net growth rate. As long as the net value of the fund increases
Fifth, we should be careful not to like the new and hate the old, and not to blindly pursue new funds. Although the new fund has inherent advantages such as preferential prices, the old fund has long-term operating experience and reasonable positions, which is more worthy of attention and investment.
Extended data:
Skills of investing in funds
1, efficiency principle
Seeking a certain return on investment is the most fundamental requirement of fund holders. Whether open-end funds can attract public investment depends on whether the prospects of investment funds are optimistic and whether they can obtain stable investment returns.
2. Safety principle
In order to attract a large number of social security funds and residents' savings, open-end funds should not only rely on the stability of fund income, but also rely on the security of fund assets. Securities investment funds mainly invest in stocks, bonds and other securities. Therefore, the most effective way to avoid and prevent risks is to use portfolio diversification.
3. Liquidity principle
Open-end funds must respond to redemption requests that may arise at any time. Therefore, maintaining the liquidity of investment assets is an important principle of open-end fund investment. Securities investment funds mainly invest in highly liquid securities such as stocks and bonds. On the one hand, the liquidity of fund assets is conducive to improving the utilization rate of funds, on the other hand, it also contains high risks.
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