The fund management fee rate is related to the fund size. Generally speaking, the larger the fund scale, the lower the unit management cost and the corresponding management rate. At the same time, the fund management fee rate is also related to the fund category and different countries or regions. Generally speaking, the higher the fund risk, the more difficult it is to manage and the higher the management rate. The fund management fee rate is also related to the development and competition of the fund industry. In countries and regions with developed fund industry, the competition is fierce, and the annual fund rate is low, generally not exceeding 1%. In some developing countries, the fund industry is less competitive, so the management fee is higher.
Among the 12 funds issued in China, the management fees of the top ten funds are all fixed, with an annual rate of 2.5%. The management fees of Anshun Fund and Yulong Fund issued by 1999 are divided into two parts. The first part is a fixed fee with an annual rate of 1.5%. The second part is performance reward, which is calculated and paid once a year according to the performance of fund management.
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Fund, in English, refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.
From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.
According to different standards, securities investment funds can be divided into different types:
(1) According to whether the fund unit can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.
(2) According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.
(3) According to the different investment risks and returns, it can be divided into growth funds, income funds and balanced funds.
(4) According to different investment objects, it can be divided into stock funds, bond funds, money market funds and futures funds.
manipulative skill
First: Look at the market outlook before operating.
The income from fund investment comes from the future. For example, if you want to redeem stock funds, you can first look at whether the future development of the stock market is a bull market or a bear market. Then decide whether to redeem or not, and make a choice on the timing. If it is a bull market, it can be held for a period of time to maximize the benefits. If it is a bear market, redeem it in advance and put it in the bag.
Second: switch to other products.
Converting high-risk fund products into low-risk fund products is also a kind of redemption, such as converting stock funds into money funds. This can reduce the cost, the conversion fee is generally lower than the redemption fee, while the money fund has low risk, equivalent to cash, and the income is higher than the current interest. Therefore, conversion is also an idea of redemption.
Third: regular fixed redemption
Like regular investment, regular fixed redemption can do daily cash management and stabilize market fluctuations. Fixed-term redemption is a redemption method of fixed-term investment.