The pursuit is to achieve the maximum expected income at the lowest cost. We all know that investment and financial management need to pay a certain fee, which is an important part of the cost of investment and financial management. The following small series brings how much handling fee the fund needs to pay, I hope you like it.

How much does it cost to buy a fund of 10 thousand yuan?

When we usually buy funds, we may not care about the handling fee, and the impression is not very deep. If you buy less, you may not feel anything, but if you buy more, you need a lot of money.

How much does it cost to buy a fund of 10 thousand yuan? This needs to be analyzed according to the specific fund charging standards. Different funds have different charging standards. Some funds have higher rates, while others have lower rates.

Take a fund as an example, the subscription fund amount is between 0 ~ 1 10,000, and the subscription rate is 1.5%, which is 0. 15% after discount. 1 10,000-3 million, and the subscription rate is 1.2%, which is 0. 12% after discount. Between 3 million and 5 million, the subscription rate is 0.8%, and the discount rate is 0.08%. 1000 yuan subscription fee of more than 5 million.

Then the subscription fee for 1 10,000 yuan fund should be:10000 _1.5% =150 yuan, after discount:10000 _ 0.15% =/kloc.

It is worth noting that even for the same fund, different subscription methods, different subscription amounts, different holding times and different subscription channels charge different fees.

Generally speaking, the larger the purchase amount, the lower the service charge standard, and the smaller the purchase amount, the higher the service charge standard. The longer the holding time, the lower the handling fee, the shorter the holding time and the higher the renewal fee.

In addition, generally speaking, the fees charged for purchasing funds in official website, a fund company, are relatively low, while the fees charged for purchasing funds at bank counters or third-party trading platforms are relatively high.

In the way of purchasing funds, Class C funds do not need subscription fees, but charge a certain percentage of sales service fees. Class A funds need to charge subscription fees, and do not charge sales service fees. However, both Fund A and Fund C need to collect redemption fees.

The management rate is 1.5%. Holding time is 0-7 days, redemption rate 1.5%, 7-365 days, redemption rate 0.5%, 365-730 days, redemption rate 0.25%, more than 730 days, and no redemption rate is needed.

How much is the handling fee for the fund?

Fund handling fees generally include subscription fees, subscription fees, redemption fees, management fees and service fees. Among them, the subscription fee and subscription fee are independent and are not charged at the same time. In addition, subscription fees and service fees are also independent, some charge subscription fees, some charge service fees, and they are not collected at the same time. The specific fee standard for purchasing a fund needs to be judged according to the trading rules of the fund.

Take a fund as an example, the subscription fund amount is between 0 ~ 1 10,000, and the subscription rate is 1.5%, which is 0. 15% after discount. 1 10,000-3 million, and the subscription rate is 1.2%, which is 0. 12% after discount. Between 3 million and 5 million, the subscription rate is 0.8%, and the discount rate is 0.08%. 1000 yuan subscription fee of more than 5 million.

The management rate is 1.5%. Holding time is 0-7 days, redemption rate 1.5%, 7-365 days, redemption rate 0.5%, 365-730 days, redemption rate 0.25%, more than 730 days, and no redemption rate is needed.

Then, if you buy a fund of 10,000 yuan and hold it for 5 days, the handling fee should be:10000 _1.5%+10000 _1.5% = 450 yuan. It can be seen that if the fund is held for a short time, the handling fee to be paid is very high.

According to the selling signal:

In the performance of the chart, there are some sharp K lines in the chart, such as the long shadow line, the cross star at night, or some sharp shapes, such as the M top and the arc top.

Reasonable control of their positions: when selling, investors should reasonably control their positions to prevent buying flying stocks. In addition, investors can also sell stocks according to market conditions, stock announcements and other factors. For example, investors can take the opportunity to sell stocks when there is significant bad news.

The best time to sell: when there is a high price for three consecutive days, the huge negative selling volume means that the market will be mostly empty, so you can sell your stock first; In the high position for 3 ~ 6 consecutive days, xiaoyang or xiaoyin or crosshairs and upper shadow lines represent insufficient willingness to chase up prices, which will fall for a long time.