How to calculate the cost of buying a fund?
1 funds are divided into on-site funds and off-site funds, and both of them have to charge operating fees, namely custody fees and management fees. The custodian fee rate is generally 0.5% per year, the management fee of on-site funds is 0.5% per year, and the off-site funds are 1.5% per year.
2 The fees for the on-site funds also include transaction fees, which are charged in two directions, with the rate ranging from two ten thousandths to five ten thousandths, with a minimum of five yuan.
Class A in OTC funds needs to pay a subscription fee of 0. 15%, and the redemption fee decreases with the holding time; Class C funds need to pay an annual sales service fee of 0.25%, and the redemption fee decreases with the holding time.
It should be noted that different funds and different fund companies will have different rates. The above rates do not represent all funds and are for reference only.
In short, if you have a large amount of funds, it is more cost-effective to invest in on-site funds in terms of rates, but on-site funds are generally passive and are the same as stocks in terms of trading methods.