Generally, the back-end charges decrease with the increase of holding time.

for example, the net value of the fund on the day of subscription is 1, the net value of the fund on the day of redemption is 1.2, the front-end subscription rate is 1.5%, the back-end subscription rate is 1.8%, the redemption rate is .5%, and the subscription is 1, yuan.

1. If the front-end charging method is adopted, the fund share = 1, * (1-1.5%)/1 = 9,85 shares, so the funds obtained during redemption = 1.2 * 9,85 * (1-.5%) = 11,76.9 yuan, and the income is 1,76.9 yuan.

2. If the back-end charging method is adopted, the fund share is = 1,/1 = 1,, and the funds obtained upon redemption are = 1.2 * 1, * (1-.5%)-1 * 1, * 1.8% = 11,76 yuan, and the income is 1,76.9 yuan.

3. If you hold it for one year, the subscription rate of the back-end charging method will generally be reduced, for example, it may be reduced to 1.5%, and if you hold it for two years, it may be reduced to 1%. Please refer to the regulations of the fund company for details.

Take Fuguo Tianrui (123) as an example, investors can choose to pay the subscription fee when purchasing or redeeming the Fund. What investors choose to pay at the time of subscription is called front-end subscription fee, and what investors choose to pay at the time of redemption is called back-end subscription fee.

when investors choose to pay the front-end subscription fee, they will adopt the proportional rate according to the subscription amount. If investors have multiple subscriptions in one day, the applicable rates shall be calculated separately according to the single subscription. The specific rates are as follows:

the subscription amount (including subscription fee), the front-end subscription rate is less than 1 million yuan, 1.5% is more than 1 million yuan (including), and the maximum fee for a single subscription is 5, yuan

The share converted by investors who choose to reinvest dividends automatically is not charged subscription fee.