Since the pilot fund investment business was launched, it has achieved good results and investors have a high degree of sustainability. It can be said that the fund investment business can effectively improve the phenomenon that the fund makes money in the fund investment market, while the basic people do not make money.
In this way, the fund investment business is very friendly to investors. In addition to paying attention to the actual effect of fund investment, investors are also very concerned about the form of fund investment expenses. So, how to charge the service fee for fund investment? Let's have a look.
There are two parts to the fund investment expenses, one is the expenses to be paid for the purchase of the fund, and the other is the fund investment service fee.
Fees to be paid for purchasing funds
This part of the fee is also charged when we usually buy funds, including subscription fee/subscription fee, redemption fee, management fee and custody fee.
During the subscription period, the subscription fee is charged for buying new funds, and the latter is charged for buying old funds. The rate is generally between 0 and 0, and now most channels have a discount of 1%. Subscription fee/subscription fee shall be accrued according to single fee and one-time subscription amount.
When the fund is sold, there will be a redemption fee. The shorter the holding time, the higher the cost. Generally speaking, if you hold it for less than 7 days, the redemption fee may be as high as if you hold it for less than 1 year. If you hold it for more than 2 years, there will probably be no redemption fee.
There are also management fees and custody fees.
The management fee is paid to the fund company, and the custody fee is paid to the custody bank. For stock funds, the general management fee is the annual custody fee, which is the level of one year.
According to the different charging modes, foundations are divided into three categories: ABC. Among them, there is no subscription fee or subscription fee for Class C funds, but there is a sales service fee. The rates of different funds vary greatly, ranging from ~ 1%. The accrual method will also be different. The sales service fee is calculated at the annual rate, and the fee is deducted from the daily net value.
Fund investment service fee
The expenses incurred by purchasing the fund in the previous part are basically the same, but the difference is the service fee for fund investment. The rates of different types of fund investment strategies also vary greatly, and the market rates of the previous year were all around. The possibility of preferring short-term financial management is low, and the possibility of preferring stock funds is high.
Take the products invested by China-Europe Wealth as an example.
Among them, living money management, that is, the cash enhancement strategy of short-term financial management, has the lowest investment rate and the annual investment rate is zero, while the annual investment cost of wealth growth of fully-equity funds' selected wealth management products is far from the two.
The fund investment service fee of CEIBS Wealth Investment is calculated on a daily basis and collected once every six months. If there is something counted but not collected at the time of redemption, it will be collected at the time of redemption.
Different organizations have different charging models.
Moreover, some fund companies will provide preferential rates for customers who choose fund investment services, such as buying fund products owned by their own fund companies and exempting subscription fees.
I hope the above contents are helpful to you.