It is more cost-effective to buy Class A. Generally, long-term investment means holding it for more than one year. For investors, Class A funds charge a one-time subscription fee at the time of subscription, while Class C funds do not need subscription fee at the time of subscription, but the sales expenses will be recorded every day. If the user holds it for one year, it will still be charged, which is much higher than the investor's subscription fee, which is obviously not cost-effective.

Buy Class A or Class C as a long-term fund?

It is best to choose Class A funds for long-term investment, generally for more than one year. This is because: Fund A only charges subscription fees and does not charge sales fees during its holding period. Therefore, after charging the subscription fee once, there will be no other fees in the later period. Although Class C funds do not charge subscription fees, they charge sales fees during the holding period. In the long run, the sales expenses will be much higher than the subscription expenses, so Class A is not cost-effective.

Investors can compare the subscription rate of Class A funds with the sales rate of Class C funds, and then compare the redemption rate. Add up these two projects, and then have time to choose who is lower according to your own plan.