Fund is a common financial management method with low investment threshold, which is suitable for ordinary small and medium investors to participate. Fund investment includes subscription and fixed investment. Subscription is a one-time purchase of fund shares, and fixed investment is a regular purchase of fund shares, similar to the bank's zero deposit and withdrawal. Most funds have certain subscription rates, so are the fixed investment rates and subscription rates the same?

1. Is the fixed investment rate of the fund the same as the subscription rate?

Theoretically, for the same fund product and the same subscription channel, the fixed investment rate and subscription rate are the same, generally not exceeding 1.5%. However, in fact, different channels have different preferences in subscription rates. Some subscription channels will provide greater preferences than ordinary fund subscriptions in order to promote the fixed investment of funds.

For example, according to the regulations of Kunlun Bank, from April 1 day, 2065438 to February 1 day, investors can purchase open-end fund products with front-end subscription rates through bank counters, mobile banking and online banking. , and ordinary subscription can enjoy 50% discount on subscription fee, and fixed investment can enjoy 1 subscription fee.

It can be seen that in the actual operation process, the fixed investment rate of the Fund may be lower than the subscription rate of the Fund, and specific preferential conditions can be consulted with specific banks.

Second, how to reduce the fixed investment rate of the fund?

Fund subscription rates are divided into front-end fees and back-end fees. The preferential rate of Kunlun Bank is only for open-end funds with front-end fees. For funds with back-end fees, fixed investment can also save subscription rates.

Back-end charge means that there is no handling fee when buying a fund and a handling fee when redeeming it. However, after reaching the holding period stipulated by the fund company, the redemption fee can also be exempted. Because the fixed investment of the fund is a medium-and long-term investment method, the investment period is generally more than 3 years, so choosing a fund with back-end charges for fixed investment can save a lot of handling fees.

The above information about whether the fixed investment rate of the fund is the same as the subscription rate, I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.