Fund is a kind of collective investment, which is a pool of funds formed by different investors. Fund management fees are the expenses incurred by fund managers when they perform their management duties, including fund management fees, custody fees, sales service fees, etc. , must be paid by fund investors. However, the deduction method of fund operating rate has been concerned and questioned by many investors. Then, how to deduct the operating rate of the fund? This paper will analyze it from many angles.

1. Deduction method of fund management fee

Fund management fee is the fee deducted from the fund assets by the fund manager to perform management duties, which is generally deducted according to a certain proportion of the net asset value of the fund. According to the regulations of China Securities Regulatory Commission, the fund management fee shall not exceed 2.5% of the net asset value of the fund. For example, if the net asset value of the fund is 6.5438+million yuan and the fund management fee rate is 654.38+0%, the deduction amount of the fund management fee is 6.5438+million yuan.

2. Deduction method of custody fee

Custody fee is the fee deducted from the fund assets by the fund custodian to perform custody duties, which is generally deducted according to a certain proportion of the net asset value of the fund. According to the regulations of China Securities Regulatory Commission, the fund custody fee shall not exceed 0.06% of the net asset value of the fund. For example, the net asset value of the fund is 6,543,800,000 yuan, and the fund custody fee rate is 0.03%, then the deduction amount of the fund custody fee is 30,000 yuan.

3. Sales service fee deduction method

The sales service fee is the fee deducted from the fund subscription fee, subscription fee, redemption fee and conversion fee paid by the fund sales agency to investors to perform their sales duties, and is generally deducted according to a certain proportion. According to the regulations of China Securities Regulatory Commission, the sales service fee shall not exceed 30% of the fair price of fund sales. For example, if the fair price of the fund is 65,438+00 yuan and the sales service fee rate is 65,438+0%, the deduction amount of the sales service fee is 0.3 yuan.

To sum up, the deduction method of fund operating rate is generally based on a certain proportion of the fund's net asset value, but the deduction ratio is limited by the regulatory authorities. Fund investors need to know the deduction standard and proportion of various expenses, and can learn relevant information by looking at the fund contract or fund prospectus.

In addition, fund investors also need to know the actual income of the fund. If the actual rate of return of the fund is lower than the proportion of deducting expenses, the actual rate of return of investors will be negative, so we should pay attention to the risk-return characteristics of the fund and choose the fund with appropriate risk.