The basic principle of over-the-counter fund charging refers to the fund products listed and traded on the exchange, and its charging method is different from that of over-the-counter funds. The expenses of on-site funds mainly include transaction fees and management fees. Transaction fees refer to the expenses incurred in the course of fund transactions, including transaction commissions, transaction stamp duty, etc., which are usually borne by investors themselves. Management fee refers to the expenses incurred by the fund manager to manage the fund, including fund management fee and custody fee, which are usually borne by the fund assets. According to the fund contract, the fund company directly deducts the management fee from the fund assets, and the fund assets pay it to the fund manager and custodian.
Fund companies charge fees for on-site funds mainly to maintain the normal operation of fund companies, including the salary of fund managers and the operating expenses of fund companies. At the same time, fund companies also need to provide sales and services for fund products, including promoting fund products and answering investors' inquiries. These services all need some manpower, material resources and financial resources. It is reasonable for fund companies to charge a certain fee, but the fee level should be reasonable, transparent and fair.
How to collect the transaction fee of the floor fund is mainly composed of two parts: transaction commission and transaction stamp duty. The transaction commission refers to the transaction service fee charged by the fund company, which is usually charged by the brokerage agent according to a certain proportion of the fund transaction amount. Transaction stamp duty refers to the tax generated in the process of fund transaction, which is levied according to a certain proportion of the transaction amount.
Management fee refers to the expenses incurred by the fund company to manage the fund, including fund management fee and custody fee. The fund management fee is the fee generated by the fund company for managing the fund, which is charged according to a certain proportion of the fund assets. Custody fee refers to the expenses incurred by banks for fund custody, which shall be borne by fund assets. According to the fund contract, the fund company directly deducts the management fee from the fund assets, and the fund assets pay it to the fund manager and custodian.
How to reduce the handling fee of on-site funds When buying on-site funds, investors should choose appropriate fund products according to their risk tolerance and investment purpose. At the same time, investors should also pay attention to the charging level and charging method of fund companies and avoid choosing high-cost fund products. Here are some ways to reduce the handling fee of on-site funds:
1. Choose low-cost fund products. Investors should pay attention to the charging level and charging method of fund companies and choose low-cost fund products.
2. Choose an index fund. The management fee of index funds is usually lower than that of active management funds, and the trading commission is also lower.
3. Choose fund products with large trading volume. Fund products with large trading volume usually have low trading commission, good liquidity and easy trading.
4. Choose an independent transaction. Investors can choose to trade independently and avoid paying trading commissions.
5. Fixed investment. Fixed investment can reduce the frequency of trading and reduce the expenditure of trading commission.
Investors should choose suitable fund products according to their risk tolerance and investment purpose when purchasing on-site funds, and pay attention to the fee level and charging method of fund companies to reasonably reduce the fee expenditure.