Financial analysts said that wealth management products with fixed expected annualized expected income are generally not allowed to be redeemed in advance; Structured investment wealth management products are also not allowed to be redeemed in advance; Wealth management products with non-fixed expected annualized expected returns are generally open for redemption every month or quarter, and generally do not charge redemption fees.

2. The redemption rate of funds is different.

According to reports, according to the different funds, the redemption rate of the fund is also different. If the front-end charge is selected at the time of purchase, the general redemption rate of stock funds is 0.5%, and that of bond funds is 0.2%; If the back-end fee is selected at the time of purchase, it will be calculated separately according to the length of time the customer actually holds the fund. Assuming that the customer chooses a stock fund with front-end charges at the time of subscription, the redemption rate is 0.5%, the redemption share is 10000, and the net value of the fund at the end of the redemption date is 1. 15 yuan, then the customer needs to pay1.15×/kloc.

3. A fee of 1% will be charged for early redemption of national debt. service charge

When redeeming the national debt in advance, in addition to repaying the principal, the interest is calculated according to the actual holding days and the corresponding expected annualized interest rate grade, and the agency pays the principal of 1%. Charge a handling fee.

For example, if the customer purchased the first issue of certificate-based government bonds in 2009, the 3-year and 5-year certificate-based government bonds will be held for less than half a year without interest from the date of purchase; If it is less than 1 year, interest will be calculated at 0.36%; Interest is calculated as 1 year less than 2 years +0.7 1%; Interest is calculated at 2.52% for two years and less than three years; 5-year certificate-based treasury bonds held for more than 3 years and less than 4 years bear interest of 3.69%, and those held for more than 4 years and less than 5 years bear interest of 3.87%. Suppose the customer bought 6,543,800 yuan of national debt and paid it 3 months in advance. According to the regulations, if it is held for less than half a year, no interest will be charged, and 654.38+0% will be charged. Handling fee, the customer actually got 9990 yuan.