There are generally two kinds of calculation of fund redemption rate: pre-payment and post-payment. Pre-charge refers to the fees that investors need to pay when they are in the fund, and post-charge refers to the fees charged when they redeem the fund. The front fee is generally a certain proportion of the sales service fee, usually between 5% and 8%, and the back fee is usually between 0.5% and 2% depending on the fund.
For example, if an investor holds a fund, the redemption rate of the fund is 1%, the current fund share value is 10000 yuan, and the investor needs to redeem 2000 yuan, then the redemption fee to be paid is 20 yuan (2000 yuan * 1%). If the share redeemed by investors exceeds the free amount of redemption rate, the redemption fee shall be calculated according to the total value of the redeemed share.
It is worth noting that the fund redemption rate is not fixed, and there may be differences between different fund products and different investment institutions. Therefore, when investing in funds, investors should carefully read the fund contract, prospectus and other related documents, understand the specific situation of the fund redemption rate, and choose the appropriate fund products according to their own investment needs and risk preferences.
In addition to the fund redemption rate, investors also need to pay attention to other expenses of the fund, such as fund management fees, custody fees, sales service fees and so on. These expenses will also have an impact on investors' income and need to be carefully understood and calculated.
In short, the fund redemption rate is one of the important factors that cannot be ignored in fund investment. When investing in funds, investors should carefully understand and calculate the redemption rate of funds and other related expenses, so as to make correct investment decisions and maximize investment returns.