Mainstream trust funds generally need more than one million investment thresholds, which is similar to ordinary trusts. For example, China Resources Trust's "Minsen A" trust fund needs an initial investment of 3 million yuan, and others need at least 6.5438+0 million yuan. This situation is very common in the market, like some high-end family trusts, the threshold may need more than 10 million.
In addition to the threshold, trust funds will also generate a lot of expenses in the operation process, which is related to the interests of investors. The types of expenses will generally be calculated according to the types of products invested, but the required expenses are roughly as follows:
1. Subscription fee
Generally, it is a kind of handling fee that investors need to pay when buying products. Usually, the subscription fee will be around 1%, which will increase or decrease with the subscription amount.
2. Handling fee
It refers to a handling fee charged by the management and operation organization after the investor purchases the corresponding product, which is usually calculated according to the attributes of the product. For example, the trust fund charges a management fee of 65438+ 0.5% of the net value of the trust unit, including the custody fee.
3. Redemption fee
Redemption fee is the handling fee that investors who hold products need to pay when selling products to product issuers during the product opening period. Its main purpose is as a compensation mechanism. Usually this part of the cost is included in the product assets, and some trust funds may calculate the redemption fee after the liquidation period, for example, the redemption fee after holding for 6 months is 3%.
There is no fixed number for the threshold of trust funds. Different trust companies and different trust funds have different entry thresholds. The entry threshold for ordinary trust funds of most trust companies is 50,000 yuan.
It should be noted that there are certain risks in the actual investment of trust funds, and the risks are directly proportional to the benefits. The size of the risk determines whether the investor can successfully recover the cost, truly realize the actual expected return after the investment and cash it in proportion. However, all financial products are risky, only high and low.
First of all, trust funds are not a capital preservation system. After the fund is started, it depends on its operation. Trust funds can only play a role after investing in a project. Now there are certain requirements and standards for traffic. After investing, investors should exercise their rights and fulfill their obligations. Although you can get benefits most of the time, there are certain risks.
After the investment company is selected, we must first understand the background of the project and the operation of the project company. If the investment project cannot operate normally, it will bring certain risks. If there are risks in the operation of the fund trust without knowledge, according to the existing evidence system, the guarantor should bear the risks.
The strength of each product and company needs to be clearly understood by investors. Through the risk of establishing a trust fund after the insurer purchases, there are some special compensation funds that can make the beneficiary bear certain obligations. There will be more compensation funds in the process of real estate investment and other project investment. Because of its liquidity risk, when many products can be reasonably operated or transferred through contracts, there is no transfer market, whether it is trust funds, stocks or funds.