First, the purchase of newly established funds should pay a "subscription fee";

Second, the purchase of old funds needs to pay a "subscription fee";

Third, you need to pay a "redemption fee" when the fund is redeemed. The general subscription rate is 1.2%, the subscription rate is 1.5%, and the redemption rate is 0.5% (money market funds are free).

2. The fund handling fee refers to the fee paid to the sales organization when buying and selling funds, which is used to compensate the cost incurred by the fund sales organization in handling the fund trading procedures. The handling fee is a one-time fee, which means that the handling fee must be paid at one time when buying and selling funds, and it does not need to be paid at other times. In order to prevent the sales organizations from jointly driving up the handling fee to harm the interests of investors, or excessively lowering the rate to cause vicious competition in the industry, many countries and regions generally set upper or lower limits on the handling fee of fund transactions.

3. The handling fee for buying and selling closed-end funds, commonly known as commission, is used to pay securities companies as the price of providing trading services. At present, the upper limit of fund commission stipulated by laws and regulations is 0.3% of each transaction amount, and the lower limit of commission is RMB 5 yuan per transaction. Securities companies can determine their own expense ratio within this range. At present, most brokers also charge 0.3% of the transaction amount as a handling fee for the trading of closed-end funds.

The handling fee paid when buying an open-end fund is generally called subscription fee, and the handling fee paid when selling is called redemption fee. According to the regulations of relevant departments, the subscription fee of domestic open-end funds at present shall not exceed 5% of the subscription amount; The redemption fee shall not exceed 3% of the redemption amount. At present, the subscription rate of domestic open-end funds is generally below 1.8%, while the redemption rate is mostly 0.5%. Generally speaking, the subscription fee ratio of the fund is not fixed, but decreases with the increase of the fund scale. At present, many fund management companies take100000 fund shares as the dividing line. If you subscribe for more than 6,543,800 fund shares, you can apply a relatively low subscription rate. Redemption fee is a fee charged for redemption, mainly to reduce the losses caused by investors' excessive redemption to other investors in a short period of time, so it is often slightly punitive. After deducting the basic handling fee, all the redemption fees collected belong to the fund assets to compensate the investors who have not redeemed, and some open-end funds all use redemption fees as the basic handling fee, excluding the fund assets. Before buying an open-end fund, you can read the contract and prospectus of the fund carefully to understand the specific collection principles of its subscription fee and redemption fee. Reasonable, it is best to invest in open-end funds, hold them evenly for a long time, and dilute the cost.