First, money funds are often divided into Class A and Class B, which are actually the same fund, but the minimum subscription share and sales service fee are different. Generally speaking, the subscription threshold of category A monetary fund is relatively low, which is 100, that is, 100 yuan, and the sales service fee is relatively high; The subscription threshold of category B of the Monetary Fund is relatively high, generally 5 million copies, that is, 5 million yuan, and the service fee is relatively low.

Category A of the Monetary Fund is mainly for individual investors and individual investors, while Category B is mainly for institutions and large investors to invest. Because of the different service fees, the income of Class B is higher than that of Class A. ..

Second, bond funds will be divided into three categories: A, B and C, and the subscription rate of funds is closely related to the expected holding time of investors.

Class A bond funds are front-end expenses and generally have lower rates. If investors have no judgment on the investment period, they can consider buying Class A funds.

The back-end fees of Class B bond funds are higher than those of Class A. If investors decide to hold them for more than 3 years, they can consider choosing Class B. Because the longer they hold them, the less they charge.

Class C bond funds have no subscription fee, but they have an annual sales service fee of 0.3%, and the three-year sales service fee is less than 1%, which is lower than that of Class A. Therefore, if they are short-term investments, they should choose Class C..

Third, the graded fund divides the fund share of a parent fund into two categories, and the share with fixed income, low expected risk and priority income right is called "Class A"; Floating income, expected risk and relatively high share of income are called "Class B".

To put it simply, Class A will agree on a certain rate of return, and all the remaining assets of the parent fund after deducting Class A principal and accrued income will be classified as Class B. If there is a loss, it will be limited to the net asset value of Class B, which will be borne by the holders of Class B. Therefore, when the overall net asset value of the parent fund falls, the net share value of Class B will fall first; Correspondingly, when the overall net value of the parent fund rises, the net value of Class B will increase faster than that of Class A. ..

Fourth, others.

1, fund suffix with d

(1), Monetary Fund: In the first case, the newly added Class D share is higher than the subscription threshold of Class C share, such as the Central European currency D; In the second case, the purchase and redemption are handled through the trading platform designated by the company. For example, Puyin Ansheng Riying D, the starting point of purchase is 0.0 1 yuan, and it is sold through Shanghai Pudong Development Bank Pubangbao.

(2) Gold ETF

At present, there is a gold ETF suffix of d- boss gold ETF D, and this share is sold directly on boss official website.

2. fund suffix with e.

(1), Monetary Fund: In the first case, it means that such shares are only sold in designated institutions, such as Internet platforms. For example, Harvest Currency E, in the second case, the category E of money funds is market share, that is, transactional money funds, such as Guangfa Currency E, E Fund, China Life Insurance Money Market Fund E, China Merchants Wealth E, Rongtong Easy Pay Currency E, Huitianfutianfu E. These money funds with the suffix E are transactional money funds, which are listed and traded in the secondary market with a face value of 100 yuan.

(2) The fund share can only be publicly sold through the online trading system and direct sales center of the fund company. For example, China-Europe pure debt e and China-Europe industry growth e.