Generally, five fees are charged for purchasing funds, including subscription fee, repurchase fee, management fee, sales service fee and management fee. A-level funds have subscription fees, while C-level funds have no subscription fees, but they have sales service fees.
The subscription rate of general funds is higher, which is levied according to the subscription cost. For example, if you buy 65438+ 10,000 A funds, the subscription fee is 0. 12%, and the subscription fee is 1 19.86 yuan, which will be deducted on the day of subscription, regardless of the holding days.
The sales service fee is calculated by the day. For example, if you buy a Class C fund of 6.5438 million yuan, the sales service fee will be 0.2% (every year). Assuming that the net profit of the fund remains unchanged, you will receive 0.5479 yuan every day, which is lower than the subscription fee of 99 yuan and 99 yuan for half a year, but 199 yuan every year. 98 yuan is much higher than the purchase fee.
In order to encourage long-term holding, the longer the fund is held, the lower the repurchase rate. The repurchase cost of class C funds decreases rapidly with the increase of holding time, and its relative advantage is higher in the short term.
However, with the extension of the term, the sales service fee of Class C funds will not decrease with the passage of time, the cost of two kinds of repurchase will be lower and lower, and the subscription fee of Class A funds is already very low, so the cost advantage of Class C funds will decrease with the passage of time. Therefore, class C funds are not suitable for long-term fixed investment.