As we all know, any company is profit-oriented. We charge for information, channels and services, and fund companies are no exception. So how do fund companies charge? The organizational structure of Bian Xiao is as follows:

1. What is the fund fee?

Fund charging method refers to a way for fund companies to charge subscription or subscription fees. It is divided into front-end charging mode and back-end charging mode.

Second, the charging method

There are two main ways to charge the fund: first, the front-end charge, which is the default, that is, the handling fee will be paid in proportion when buying every month, which increases the cost of fixed investment. The handling fee is 1.5% if you buy it at the bank counter, 60-20% if you buy it online, and the minimum handling fee is 40% if you buy it at the fund company website. There is a redemption fee ranging from 0.25% to 0.5% at the time of redemption.

There is also a back-end charge, that is, there is no handling fee when you buy it every month, but you can redeem it when it reaches the time specified by the fund company (ranging from 3 years to 10 years), and there is no handling fee, which can save a lot of handling fees in the long run. Therefore, it is best to choose a fund with back-end charges for fixed investment funds. But not all funds have backgrounds.

Third, how to buy a fund is more cost-effective.

Change the cash dividend into dividend reinvestment, so that if the fund company pays dividends, all cash will be automatically repurchased, and there is no handling fee for this part of the fund. If there is no money to make a fixed investment this month or the market rises very high, and the fund price is also very high, you can also stop investing for one or two months, which will not affect the future fixed investment, but don't stop investing for three months in a row. If the investment is stopped for three consecutive months, the fixed investment will automatically stop. When the stock market was in a bull market, funds also rose a lot. At this time, the investment can be appropriately reduced. If the stock market is in a bear market, you can appropriately increase investment and increase the fund share.

Finally, after understanding the fund charging method, choosing a fund that suits you still has a good expected annualized expected return.

How to vote for the Year of the Rooster? Teach you a few tricks to earn the expected annualized expected income.

Next: the misunderstanding of fund fixed investment: not all funds are suitable for fixed investment.