1, the bank counter purchase fee is the most expensive, generally1.5%;

Closed-end funds and LOF funds can be purchased in stock trading accounts of securities companies, and commissions are charged for on-site purchases, which are charged according to stocks. No stamp duty; According to the regulations of your securities company, the commission is generally 2 ‰.

After the fund trading account of the securities company is opened, you can buy the fund he represents. Whether to discount depends on the regulations of securities companies and fund companies. Some funds are discounted and some are not. The cost ranges from 0.6% to 1.5%.

What online banks buy depends on the types of funds sold by banks, some are discounted and some are not. For example, the minimum charge for Bank of Communications and Industrial Bank is 0.6%, which is relatively low. ICBC \ CCB generally gives a 20% discount. Other banks. I don't know. You can read the bank announcement.

Direct selling by fund companies: Direct selling funds are generally 40% off, plus the transfer fee of online banking, which is about 2 yuan each. Because direct sales must also be purchased from your online bank.

2. Fixed investment can be handled directly at the bank counter, fund company, online banking or fund company website.

No matter where you buy it, you must see that there is a consignment fund you want in this place. Because some funds, almost all banks are entrusted to sell, and some funds only entrust a few banks and stockbrokers to sell.

Trading on the floor is like buying stocks. Buying high is a loss, and buying low is a win. On-site trading is a business in the stock account of a securities company, and stamp duty and handling fee are not charged as commission.

OTC transactions are sold directly on the websites of banks or fund companies, that is, the subscription fee is generally 1.5%. At the same time, according to the principle, the purchase price is unknown, and only how many nights do you buy your fund to close the position.

Extended data:

The upper limit of fund commission stipulated by laws and regulations is 0.3% of the amount of each transaction, and the lower limit of commission is RMB 5 yuan per transaction. Within this range, securities companies can determine their own expense ratio.

Most brokers also charge 0.3% of the transaction amount as a handling fee for the trading of closed-end funds.

There are generally three kinds of fees for purchasing open-end securities investment funds: one is to pay the "subscription fee" when purchasing newly established funds; Second, the purchase of old funds needs to pay a "subscription fee"; The third is the "redemption fee" that needs to be paid when the fund is redeemed. The general subscription rate is 1.2%, the subscription rate is 1.5%, and the redemption rate is 0.5% (money market funds are free).

The handling fee paid when buying open-end funds is generally called subscription fee and redemption fee paid when selling. According to the regulations of relevant departments, the subscription fee of domestic open-end funds at present shall not exceed 5% of the subscription amount; The redemption fee shall not exceed 3% of the redemption amount. At present, the subscription rate of domestic open-end funds is generally lower than 1.8%, and the redemption rate is mostly 0.5%.

Generally speaking, the proportion of fund purchase cost is not fixed, but decreases with the increase of fund scale. At present, many fund management companies take 6.5438+million fund shares as the dividing line. If you subscribe for more than 6,543,800 fund shares, you can apply for a lower subscription rate.

Redemption fee is a kind of fee charged for redemption, mainly to reduce the losses caused by investors' excessive redemption to other investors in the short term, so it is often slightly punitive. After deducting the basic handling fee from the redemption fee, all the balance will be returned to the fund assets to compensate the investors who have not been redeemed. There are also some open-end funds, except for human fund assets, redemption fees are all used as basic handling fees.

Before buying an open-end fund, you can read the contract and open-end manual of the fund carefully to understand the specific principles of collecting its subscription fee and redemption fee. To tell the truth, it is best to invest in open-end funds for a long time and dilute the cost.

In March 2007, the Fund Department of China Securities Regulatory Commission recently issued a notice to fund management companies and fund custodians, asking them to modify the calculation method of fund subscription fees and subscription fees, adopt external deduction, and complete the adjustment within three months.

Previously, fund companies generally used internal deduction, and the subscription share formula was: the subscription amount multiplied by (1- expense rate), for example, 654.38 million yuan was used to purchase funds, and the subscription rate was 1.5%, and the share obtained was 98,500. After the deduction method is adopted, the formula for subscribing shares is: subscription amount /( 1+ expense rate), and the obtained shares are 98522. 167, which is 22. 167 more!

References:

Baidu encyclopedia-fund handling fee