Investment funds can be said to be an art, which affects fund returns from macro-economy to micro-economy. However, in the face of various influencing factors, the enthusiasm of fund investors for fund investment has risen instead of falling. Everyone knows that there are Class A and Class C funds. I wonder what is the difference between Class A and Class C funds? Bian Xiao collected 202 1 What's the difference between Class A and Class C funds _ the difference between Class A and Class C funds. I hope I can help you.
What's the difference between Class A funds and Class C funds?
1 Different operating costs. The fund management fee rate and custody rate of Class A and Class C are 1.50% (year) and 0.25% (year). Class C needs to pay an extra sales service fee than Class A at a rate of 0.70% (per year). Management fee, custody fee and sales service fee are accrued from the fund assets every day. The net value of the fund announced on each trading day has been deducted from the management fee and custody fee, and investors do not need to pay separately in each transaction. Therefore, our investors do not feel much about this part of the cost when they buy at ordinary times.
2 different subscription fees. Class a is front-end charge, that is, charge at the time of subscription. The subscription fee is 0. 15%. Class c does not have this fee. The subscription fee will be deducted automatically when you purchase the fund, so when you also invest 10000 yuan, the A-class fund will deduct the handling fee of 15 yuan immediately before calculating the share, while the C-class fund will still calculate the share according to 10000 yuan. Many investors will default that C is more cost-effective than Class A and should buy Class C funds. Actually, it is not. Because Class C needs a sales service fee of 0.70% (year) that you can't easily notice.
3 different redemption rates. In terms of redemption rate, both Class A and Class C need to be charged. When the redemption is less than 7 days, the rates of both funds are 1.50%. The difference is that Class C funds can be exempted from redemption fees as long as they are held for more than 30 days. And Class A does not charge redemption fee for more than 365 days.
Of course, different funds have different charging standards and different thresholds for holding time. However, the general rule is to choose Class C for short-term turnover and Class A for long-term holding. Investment is risky, so be careful.
The difference between fund class A and fund class C
1, with different rates: Class A funds charge a one-time subscription fee, while Class C funds do not charge a subscription fee, but charge a sales service fee every year.
2. Suitable for different groups of people: Class A funds hold for more than one year without redemption fee, which is suitable for medium and long-term investors, and Class C funds hold for more than 30 days without redemption fee, which is suitable for short-term investors.
3. Different sales channels: There are many sales channels for Class A funds, which can be purchased through fund companies and third-party cooperation platforms, while Class C funds are generally only sold on direct selling platforms or specific platforms of fund companies.
Fund investment is an indirect way of securities investment. By issuing fund shares, fund management companies concentrate investors' funds, which are managed by fund custodians (that is, qualified banks) and managed and used by fund managers to invest in financial instruments such as stocks and bonds, and then bear the investment risks and share the benefits.
How much is the appropriate profit-taking point for the fund?
The so-called take profit point is a technical term when buying and selling funds and stocks. Also known as the so-called win point and take profit point, it generally refers to the price when closing the position in the process of stock trading. The function of setting the take profit point is that the fund will automatically sell after reaching a certain profit point, which can be "safe".
It is more appropriate to set the profit-taking point of the fund at 20%-30%. If it is a bull market, you can appropriately raise the profit-taking point according to your risk tolerance, but it is generally not recommended to blindly chase after the high. After all, only when the fund is sold can it be considered as real money. In addition, investors can also take a dynamic profit-taking method to continuously improve the profit-taking point.