The meaning of ABC represents a certain charging method, that is, Class A funds represent the front-end charging method, that is, only the subscription fee is charged, and there is no charge for the redemption link; Class B represents the back-end charging method, that is, there is no charge at the time of subscription, and different rates are charged at the time of redemption according to the holding time. Of course, the longer the holding time, the lower the rate, generally no charge for more than 3 years; C stands for management fee charging mode, that is, a certain percentage of management fee is withdrawn on a daily basis, and no fee is charged during the redemption process. Generally speaking, Class A investors need to meet the following two conditions: first, investors who buy a large amount, such as some bond funds, and investors who choose Class A for more than 5 million yuan only need to pay the subscription fee of 1 1,000 yuan, with the lowest cost, and second, investors who have not used their funds for a long time. Since Class A is the front-end expenses, investors will not have large-scale short-term arbitrage like Class C, which makes the performance relatively stable, and long-term investment will have good returns.

For investors who don't buy much money and hold it for more than two years, Class B is actually more suitable. Some bond funds only charge a one-time subscription fee of 0.6%, and the redemption fee for more than two years is zero.

Class C Class C is suitable for some investors with small purchase amount and uncertain holding time. The investment period can be long or short, and the amount can be large or small. This is mainly because the subscription fee is 0, and the redemption fee is 0 after holding for 30 days, which greatly reduces the transaction cost of investors.