Some people say that the handling fee of funds is higher than that of stocks. It is true that for long-term holding, the handling fee of the fund is higher than that of the stock. At the same time, there are four ways to charge the fund, including subscription, operation, redemption and punishment. So, how do you charge the fund fee? Tell everyone the amount.

1, purchase price

There is no charge for the purchase of money funds, while the general subscription rate of other non-C funds will be deducted from the subscription amount at the time of purchase.

2. Operating rate

The operating rate of the fund mainly includes three parts, namely management fee, custody fee and sales service fee. Please note that the rate is charged by the day. If it is deducted from the expected income of your fund, even the money fund will be deducted from the operating rate.

3. Selling price

There is no charge for selling money funds. At the same time, there are new regulations on sales this year. If the holding time is less than 7 days, the selling rate is more than 7 days, and the selling rate of each fund is different. Deduct the selling rate when the fund is redeemed.

4. Overtime pay

This penalty rate, that is, the funds sold above are charged for less than 7 days. This rate is actually quite high, which is to punish the fund for holding too few days and redeeming it at will. Avoid too many such operations and affect the normal operation of the fund.

The above four charging methods are common fund fees, and of course the selling rate includes the penalty rate. Because the money fund does not charge subscription and selling rates, it can improve the expected income of products to a certain extent. However, it does not mean that the expected income of the fund that charges the transaction rate will be low, which depends on the type and performance of the fund.