For various funds, the handling fee is basically between 2% and 3%.

The risk of bond funds is higher than that of money funds, but lower than other funds, and the handling fee is generally around 0.6%, because all funds except money funds do not need handling fees and are risky. Therefore, in addition to the cargo base, other funds can only be cost-effective in the long run. The annual yield is 4%-7%, which is higher than the deposit interest rate, but it is risky.

What is the redemption rate of the fund?

The fund redemption fee is the fee to be paid when the open-end fund is redeemed. The redemption rate of funds depends on specific funds, and even the same type of funds may have different redemption rates.

In addition, the holding time of the fund may also affect the redemption rate, and the rate will decrease if it is held for a long time.

For example, the redemption rate table of a hybrid fund: the holding fund is redeemed within 1 year, and the redemption rate is 0.5%;

When the holding time exceeds 1 year, but less than 2 years, the redemption rate is 0.3%;

The holding time is more than 2 years, and the redemption fee is 0.

The redemption fee is calculated as follows:

Redemption rate corresponding to redemption share * redemption net value *

Many times, a fund is purchased multiple times. In this case, when redeeming the fund, the holding period of the share that has not been subscribed in time should be considered separately and redeemed according to the principle of first-in first-out, that is to say, when redeeming the fund, the part that has been held for the longest time should be redeemed first.

For example, someone buys a fund three times, the first time 1000, the second time 2000 and the third time 500.

If 2000 funds are redeemed, the first one 1000 and the second one 1000 will be redeemed.

When calculating the redemption fee, it is necessary to calculate the holding time twice.

Some funds do not charge redemption fees, such as money funds, wealth management funds and some bond funds.

Some funds will have a high penalty for short-term redemption, so be sure to check the fund redemption rate table before buying a fund.