With the gradual popularization of fund investment, more and more people begin to understand and participate in fund investment. In the process of investing in funds, the redemption fee of funds is a very important issue. Many people don't know much about how to collect the fund redemption fee. Let's analyze how to collect the fund redemption fee from multiple angles.

How much is the fund redemption fee?

I. Types of Fund Redemption Fees

Fund redemption fee is a fee set up by fund companies to maintain the liquidity and stability of funds. There are three main types:

1. Front-end charge: Front-end charge refers to the handling fee that investors need to pay when purchasing funds, which is what we often call "subscription fee". This charging method is deducted when purchasing the fund and will not affect the redemption of the fund.

2. Back-end charge: Back-end charge refers to the handling fee that needs to be paid when redeeming the fund, which is what we often call "redemption fee". There are two ways to charge the back end: one is to charge according to the holding time, and the other is to charge according to the proportion of redemption amount.

3. No charge: In order to attract more investors, some fund companies will also set up some funds that do not need to pay redemption fees. Such funds are more liquid and easier to redeem.

Second, the calculation method of fund redemption fee

1. Charge according to the holding time: this charging method charges the handling fee according to the holding time of the fund, and the longer the holding time, the less the handling fee. Generally speaking, the redemption fee of funds held within 7 days is the highest, which can reach 1.5%, while the redemption fee of funds held for more than 1 year is generally less than 0.5%.

2. Charge according to the proportion of redemption amount: This charging method is to charge a certain percentage of handling fee according to the holding time of investors. The longer the holding time, the lower the handling fee, even 0.

Third, the influencing factors of fund redemption fee

1. Fund type: different types of funds have different redemption fees, such as money funds, bond funds and stock funds.

2. Redemption time: Different fund companies have different redemption fees at different times. Generally speaking, the shorter the redemption time, the higher the redemption fee.

3. Redemption amount: The larger the redemption amount, the higher the redemption fee.

Fourth, how to reduce the fund redemption fee

1. Choose the fund with front-end charges: the fund with front-end charges needs to pay the handling fee at the time of subscription, but does not need to pay the redemption fee at the time of redemption, which can reduce the redemption cost.

2. Choose a fund that has been held for a long time: the longer it is held, the lower the redemption cost, which can reduce the redemption cost.

3. Choose a fund with a small redemption amount: the smaller the redemption amount, the lower the redemption cost, which can reduce the redemption cost.