1. Open-end funds can also be bought.
According to the regulations of fund companies, the higher the subscription and subscription amount, the lower the handling fee. For example, when the subscription amount of a fund is less than 500,000 yuan, the rate is 1.5%, and when it is more than 5 million yuan, the rate is only 0.5%, which is several times different. According to this regulation, colleagues, friends and netizens can "unite" and make the amount of one-time purchase fund reach the amount of preferential handling fee, which may save a lot of money. In addition, at present, there is a special fund group buying network in China, which handles UnionPay cards of banks designated by the website and opens the "Silver Unicom" business, so that relevant funds can be purchased under the guidance of the group buying network and enjoy preferential group buying rates. For example, if you purchase Huaxia Bao Li allocation fund, the general subscription rate is 1.2%, and you can enjoy a discount of 0.48% through the group purchase network.
2. Subscription is lower than subscription.
For the same fund, the subscription rate at the time of issuance is different from that after the closed period. In order to pursue the initial amount, the prescribed subscription rate is generally lower than the subscription rate. For example, the subscription rate of a fund of 50,000 yuan is 1%, and the subscription rate after the closed period is 1.5%, with a difference of 0.5%. If you are optimistic about a fund from the perspective of saving money, try to subscribe at the time of issuance.
When investors choose fund products, they should adopt different strategies for different fund products and different subscription and redemption rates, which must not be ignored. In addition, after understanding the rate characteristics of each fund product, it is necessary to save the rate through the conversion between fund products.
3. The "band operation" of the capital preservation fund shall comply with the provisions of hedging.
An obvious feature of principal guaranteed fund's products is to "guarantee the safety of principal". As long as the capital preservation fund held by investors expires, they can share the operating income of the fund during the hedging period while ensuring the safety of the principal.
When investors buy capital preservation funds, if they don't abide by and implement the provisions on hedging cycle of capital preservation funds and buy and sell funds frequently without considering the cost, it will lead to unexpected losses. Therefore, for investors who buy capital preservation funds, they must abandon the style and characteristics of stock investment and learn to stick to long-term investment, so as not to suffer losses. After all, the subscription and redemption rate of nearly 2% (subscription rate 1.5%, redemption rate 0.5%) is extremely asymmetric compared with the commission rate of 0.3% (round trip 0.6%) in stock trading. The cost difference of a transaction is nearly 10 times, which is obviously not the original intention of investment funds, nor is it acceptable to ordinary investors.
4. Dividend reinvestment saves subscription fees.
Fund investors can choose two dividend ways, one is cash dividend and the other is dividend reinvestment. In order to encourage people to continue investing, fund companies do not charge subscription fees for dividend reinvestment. Dividends will be converted into fund shares according to the net value of each fund on the dividend issuance date and added to investors' accounts. This way can not only save the subscription cost of reinvestment, but also exert the compound interest effect, thus improving the actual income of fund investment.
5. Clever use of fund conversion to save investment costs.
Fund conversion business means that investors operate between fund products of the same company, convert all or part of their fund shares into other open-end fund shares according to their own wishes, and pay a certain conversion fee according to company regulations.
Fund conversion business is a skill to save subscription fees in fund investment, because the funds under the same fund company will give investors a certain rate discount when converting. Compared with normal circumstances, redeeming the fund in your hand and then applying for another fund under the same company can save a lot of money and reduce the investment cost. However, investors need to pay attention to the fact that different fund companies have different regulations on fund conversion, so you must ask clearly before the conversion.