This kind of fund is the only fund in all fund wealth management products that can be publicized with "agreed rate of return". Even money funds can only use the annualized rate of return for nearly seven days, and cannot use the "expected rate of return" and "agreed rate of return" for publicity. Agreed income funds with a time limit are often loved by investors with low risk tolerance, unable to reach the threshold of 50,000 yuan for bank financing and needing high returns.
A-type fund with grading term
Such funds have a grading period. When Class A shares and Class B shares expire, they will be terminated from listing, or merged into LOF funds by grading, or converted into parent funds according to their net value and re-split. It should be noted that although there are perpetual cycles in Xinshangying A(000092), Jijianjin (5500 15), China Europe Dingli A( 150039) and Debon Credit A( 150 133), they can.
Over-the-counter fixed redemption of Class A funds
This kind of sub-fund has a closed period (usually 3 months or 6 months) and is redeemed at the net value when it is opened at maturity. Generally, such funds are mainly sold in banks, and also sold by securities companies. When the agreed rate of return is higher than the interest of the bank's wealth management products in the same period (3 months or 6 months), it is often necessary to make a placement; When the agreed rate of return is lower than the bank wealth management rate of return in the same period, it will encounter net redemption.