Fund investors can redeem all or part of their fund shares. Non-monetary funds are redeemed by shares, and the number of shares applied for redemption is accurate to two decimal places. Each redemption share shall not be less than 65,438+0,000, and the fund account balance shall not be less than 65,438+0,000. If the fund account balance will be less than 65,438+0,000 after one redemption, it will be redeemed at one time. If the account balance is less than 1000 due to dividend reinvestment, non-transaction transfer, transfer custody, huge redemption, fund conversion and other reasons, it is not subject to this restriction, but it must be redeemed once again.
When the money fund is redeemed, the minimum amount of a single redemption is 1 0,000 fund shares. The balance of fund shares in any fund account shall not be less than 10000 fund shares. If the monetary fund share balance in the fund account will be less than 10000 after one redemption, it should be redeemed at one time.
2. At present, the redemption rates of funds are divided into two categories, one is fixed rate, and most redemption rates of such funds (regardless of holding time) do not exceed 0.5%. Another less used method is to encourage the setting of long-term holding interest rates. For example, if the fund holds less than 1 year, the redemption rate is 0.5%; /kloc-the redemption rate for 0/year and less than 2 years is 0.2%; After 2 years, the rate is 0.
Generally speaking, the redemption fee is calculated by the "first-in, first-out" method, that is, when redeeming shares, the fund company redeems them in turn from the shares that investors bought the earliest. For example, investors bought 5,000 copies of HSBC Jintrust Longteng Fund in June 5438+ 10 (the fund redemption rate was 0.3%) and HSBC Jintrust Longteng Fund in February. If investors apply for redemption of 8,000 shares in March, the fund company's operation is 65,438+10, and 5,000 shares in February, and+3,000 shares in February. The redemption fee that investors need to pay is 8000× 3.0604 (65438+1net fund value on October 65438 +02) ×0.3%=73.4 yuan (rounded to one decimal place).
If the fund purchased by investors has different redemption rates according to the holding time, then the first-in-first-out method is also used in the calculation. Assuming the holding time is less than 1 year, the redemption rate is 0.5%; 1 year and less than 2 years is 0.2%; 0 is 2 years. If an investor bought 50,000 yuan of the fund the year before last (based on the holding time of 2 years), 50,000 yuan last year (based on the holding time 1 year), and 50,000 yuan at the beginning of this year (less than 1 year), he will redeem 1 10,000 yuan now. Due to the simple calculation, regardless of the appreciation brought by the fund investment during the period, the redemption order of the fund company is 50,000 yuan for 2 years+50,000 yuan for 65,438 years +0 years. The redemption fee that investors need to pay: 50,000× 0+50,000× 0.2% =100 yuan.