Fund investment is a popular investment method. Like stock investment, it has its own investment rules. Generally speaking, the number of days the fund is held will affect the handling fee of the fund transaction. Then, how is the selling fee calculated when the fund is held for more than 7 days? Let's get to know each other.
How to calculate the number of days for fund handling fee?
The fund subscription fee is calculated according to the subscription amount (the larger the subscription amount, the cheaper the fee, and the upper limit is 1000 yuan. ), there is no need to calculate the number of days.
The fund selling fee is calculated on a daily basis, and the longer it is held, the cheaper the redemption fee is. For example, if you buy a fund before 3 pm on Friday and sell it after 3 pm next Friday, you will hold it for 7 days. Because you buy a fund before 3 pm on Friday, you will determine the share next Monday and sell it after 3 pm next Friday, and the share will be determined next Monday, and the weekend will also be counted as the holding days.
How to calculate the handling fee for selling the fund within seven days?
The principle of "first in, first out" is followed when the fund is sold, and the redemption fee of the fund is related to the holding period. In order to protect the interests of medium and long-term investors, at present, the domestic funds held within 7 days are 1.5%, and redemption fees are usually exempted for more than two years.
According to the formula: redemption fee = redemption quantity, daily fund share net value and rate of return. For example, if you hold 100 funds, the net value of the fund is 2 yuan, and it will be 1.5% after holding for 7 days. The handling fee for selling the Fund is: 100x 1.5%=3 yuan.
In addition, when selling funds, you also need to pay a certain management fee, custody fee or sales fee. Management fees shall be collected by the fund management company. According to different types of funds, the management fees charged are also different. Custody fees are collected by the custodian bank every year. For details, please check the fund profile before purchasing the fund.
Therefore, the fund can be sold for seven days, but the handling fee is not cost-effective, so the fund is suitable for long-term investment. The longer it is held, the lower the selling cost.
The fund is held for seven days. Does Saturday and Sunday count?
The fund is held for seven days, counting on Saturday and Sunday. The holding days of the fund shall be counted from the date of confirmation of fund purchase to the day before confirmation of fund sale. However, it should be noted that if there are stocks in the investment direction of the fund, the income will not be calculated on Saturday and Sunday.
Because the stock market is closed on Saturday and Sunday, that is, it is closed, and because the investment direction of the fund is stocks, there will be no income if the stocks are not traded, and the fund is the same.
However, money funds and bond funds will make money on Saturday and Sunday. Because money funds and bond funds do not invest in the stock market, the income will be calculated every day. Just note that the fund is a risky investment and may lose money to the principal in a bad market.
Is it risky to buy a 5000 stock fund?
Buying 5000 stock funds is risky, because stock funds are funds that invest in stocks, but investing in multiple stocks at the time of investment disperses the risks to a certain extent, but the comprehensive risks are still relatively large.
For example, an investor bought a fund with a price of 5,000 yuan. If the market is not good and the stock fund fell by 7% that day, then the loss is 5,000 _ _ 7% = 350 yuan, and the degree of loss is still relatively large.
Can you earn 500 a day by buying a fund of 5000?
If you want to buy a 5000 fund to earn 500 yuan one day, you can, but the increase of the fund on that day must be more than 10%. For example, if an investor buys an overseas QDII fund, the purchase amount is 5,000 yuan, and the increase of the fund on that day is 10%, then the money you can earn is 5,000 _ _10.
However, the above examples are all QDII funds with relatively high risks, but when they lose money, the risks are relatively high, and the risks and returns of the funds are relative. Everyone needs to be cautious when buying, but money funds and bond funds generally don't have such a big increase because they have never invested in the stock market. Although hybrid funds, index funds and stock funds have also invested in the stock market, they have scattered risks and benefits because they have invested in multiple stocks, and the benefits in one day.