Fund transaction fee is the fee that must be paid in the process of fund transaction, and the fees charged by different fund companies and trading platforms are also different. The level of handling fees directly affects the investment income of investors, so it is necessary to understand and compare the handling fees when choosing fund trading platforms and fund companies. The following will introduce the related knowledge of fund transaction fees in detail from three aspects: the types of fees, calculation methods and optimization strategies.
I. Types of handling fees
Fund transaction costs are mainly divided into two types, namely subscription fees and redemption fees. The subscription fee refers to the fee that needs to be paid when purchasing the fund, usually between 1%-2%; Redemption fee refers to the cost of selling the fund, usually between 1%-2%. Different fund companies and trading platforms charge fees in different ways. Some fund companies and trading platforms adopt a fixed handling fee, that is, they charge a certain fee regardless of the transaction amount; However, some fund companies and trading platforms adopt the method of proportional charging, that is, they charge a handling fee according to a certain proportion of the transaction amount.
Second, the calculation method of handling fee
The calculation method of handling fee is also one of the key information that investors need to know. Take the subscription fee as an example. If an investor buys a fund of 10000 yuan and the subscription fee is 1%, then the subscription fee to be paid is 100 yuan. If an investor buys a fund of 50,000 yuan and the subscription fee is 1%, then the subscription fee to be paid is 500 yuan. If the proportional handling fee is adopted, the handling fee is a certain proportion of the transaction amount, such as 0.2% or 0.3%.
The redemption fee is calculated in a similar way to the subscription fee, except that the redemption fee is paid when the fund is sold. If an investor sells a fund for 10000 yuan and the redemption fee is 1%, then the redemption fee to be paid is 100 yuan. If the investor sells a fund of 50,000 yuan and the redemption fee is 1%, then the redemption fee to be paid is 500 yuan.
Third, optimize the strategy.
In order to reduce the impact of fund transaction costs on investment income, investors can adopt the following optimization strategies:
1. Choose low-cost fund companies and trading platforms: different fund companies and trading platforms charge different fees, and investors can choose low-cost fund companies and trading platforms according to their own needs.
2. Master the knowledge of market trends and fund investment: Investors should master the knowledge of market trends and fund investment in order to make reasonable investment decisions when the market fluctuates and avoid the increase of handling fees brought by intraday trading.
3. Choose an investment strategy that suits you: Investors should choose an investment strategy that suits them according to their risk preferences and investment goals. If investors pursue short-term high returns, the handling fee is an inevitable cost, but if investors pursue long-term stable investment returns, they can reduce the handling fee by holding it for a long time.
Fund transaction fee is the fee that must be paid in the process of fund transaction. Investors should understand and compare the types, calculation methods and optimization strategies of handling fees in order to get more benefits in fund transactions.