The biggest difference between Linked Fund A and Linked Fund C may be its rate. Linked fund A needs to pay subscription fee and redemption fee, while linked fund C shares generally have no subscription fee. After holding it for a period of time, the redemption fee will also be saved, and the sales service fee needs to be paid.

Second, the suitable investment methods are different.

Linked Fund C: Generally, it is more suitable for investors to make short-term investments, because there is no need for subscription fees and redemption fees, which saves costs.

Linked Fund A: Generally, it is more suitable for investors to make long-term investments. Similarly, if the investment is short-term, it is easy to pay for the subscription and redemption with a little expected income.

1. Fixed investment refers to investing in open-end funds with a fixed amount within a fixed period of time. Fixed investment fund investment has the characteristics of long-term, compound interest and average cost. In the process of fixed investment, is it better for investors to choose class A funds or class C funds?

Class A shares include subscription fees and redemption fees. The longer the holding time, the smaller the redemption fee, or even the redemption fee is zero. There is no subscription fee for Class C shares, but there is a sales service fee and a redemption fee, which decreases with the increase of holding time. The sales service fee of Class C is accrued daily and deducted directly from the fund assets, which is reflected in the daily net value. From the cost point of view, if investors do short-term investment, it is better to buy C, and the cost is lower. On the contrary, it is better to invest in A for a long time, so it is better to invest in A. At the same time, in the process of fixed investment, investors should choose funds in the downtrend channel to make fixed investment and set up a good take profit.

Second, why are Class C funds not suitable for fixed investment?

The basic logic that Class C funds are not suitable for fixed investment can be seen from the comparison of charging mechanisms between Class A funds and Class C funds.

Generally, five fees are charged for purchasing funds, namely subscription fee, redemption fee, management fee, sales service fee and custody fee. Class A funds have subscription fees and no sales service fees; Class C funds do not charge subscription fees, but there is a sales service fee.

The subscription rate of general funds is relatively high, which is charged according to the subscription fee. If the subscription fee is 0. 12%, the subscription fee is 1 19.86 yuan, which will be deducted on the subscription day, regardless of the holding days.

The sales service fee is calculated by days. For example, if you buy a Class C fund of 654.38+10,000 yuan, the sales service rate is 0.2% (year). Assuming the net value of the fund remains unchanged, you will receive 0.5479 yuan per day and 99.99 yuan for half a year, which is lower than the subscription fee, but the annual income is 199.98 yuan, which is much higher than the subscription fee.

In order to encourage long-term holding, the longer the fund is held, the lower the redemption rate, whether it is a class A fund or a class C fund. The redemption fee of class C funds will decrease faster with the increase of holding time, and the relative advantage will be higher in the short term.

However, with the extension of the term, the sales service rate of Class C funds will not decrease with the passage of time, but the redemption fees of both types will be lower and lower, and the subscription rate of Class A is also very low, so the rate advantage of Class C funds will decrease with the passage of time. Therefore, class C funds are not suitable for long-term fixed investment.