We need to know the calculation formula of fund subscription fee. Generally speaking, the fund subscription fee consists of two parts: front-end sales service fee and fund management fee. Front-end sales service fee refers to the fee that investors need to pay when purchasing funds, usually calculated by percentage. The fund management fee is the fee charged by the fund company for managing and operating the fund, and it is also calculated in the form of percentage.
Specifically, the front-end sales service fee is usually between 0.5%- 1.5%, which may be different according to different fund companies and fund products. When investors buy funds, they need to calculate the handling fee according to the proportion of the investment amount and the front-end sales service fee. Suppose investors want to buy a fund, the investment amount is 10000 yuan, and the front-end sales service fee is 1%, then the calculation formula of service fee is: service fee = investment amount * front-end sales service fee =1000 *1%=100 yuan.
In addition to the front-end sales service fee, the fund management fee is also one of the expenses that investors need to pay. The calculation method of fund management fee is relatively simple, usually expressed in the form of annualized rate and calculated according to the proportion of fund assets held by investors. Assuming that the management fee of a fund is 1% and the assets held by investors are 10000 yuan, the annualized management fee is: management fee = investment amount * management fee =10000 *1%=100 yuan.
The calculation formula of fund subscription fee is: fee = investment amount * front-end sales service fee+investment amount * management rate. When investors buy funds online, they can calculate the handling fee they need to pay according to the above formula.
As investors, we also hope to reduce the expenses of handling fees. When purchasing funds online, you can reduce the handling fee by the following ways:
Choose low-rate fund products. The rates of different fund companies and fund products are different, so investors can choose fund products with lower rates to reduce the expenses of handling fees.
Pay attention to the promotion activities of fund companies. Some fund companies will regularly launch some promotional activities, such as no fee for subscription, fee refund and so on. Investors can pay close attention to these activities to avoid paying too much.
Choose the investment method that suits you. Investors can choose different investment methods according to their risk tolerance and investment objectives, such as fixed investment plans and graded funds, which can reduce the expenses of handling fees.
The calculation formula of online fund subscription fee is an important content that investors need to know when buying funds. By reasonably selecting fund products, paying attention to promotional activities and choosing the investment method suitable for them, investors can reduce expenses such as handling fees and realize more efficient and convenient investment. I hope this article can provide some help and guidance for investors.