Bank of Communications Advantage Industry Fund is called Bank of Communications Advantage Industry Flexible Allocation Hybrid Fund. It is a bank fund, and it is a Bank of Communications Schroeder Fund Company jointly established by Bank of Communications and German Schroeder Investment Management Company (similar to ICBC Credit Suisse Bank and China Everbright Prudential). The product is currently in the open period and can be purchased. Redemption fee rule

Holding years 0≤ days ≤364

365≤ days ≤729

730≤ days

Redemption rate 0.50% 0.20% 0.00%

Subscription fee rules

Subscription amount (ten thousand yuan)

0.0≤ 1 ten thousand yuan < 100.0

100.0≤ 1 ten thousand yuan < 500.0

500.0≤ 1 ten thousand yuan

The subscription fee is1.50%1.00%1000.0 yuan.

Good Buy Preferential Interest Rate 0.60% 0.60% 1000.0 Yuan

The net value of this product has dropped by 8% since 20 15 1 1, reflecting the trend change of the investment structure income of this product. According to the standard published on September 30th, 20 15, bank deposits account for 46.9 1% of the investment structure, stocks account for 43.57%, and bonds account for 9. 16%, reflecting the recent changes in the investment environment: 1. The central bank released loose monetary policy, continuously lowered RRR and interest rates, and increased reverse repurchase, which was 65438. It directly affects the yield of bank deposits and bond investment with high product weight. 2. Since June 1 1, thanks to the continuous weakness and turmoil in the A-share market, the fund's products have accounted for 43.57% of the stock investment, and its income has continued to decline.

The above two factors caused the net value of this product to retreat by 8.57% since the standard of165438+1October 27th (20165438+1October 8th). Stock investment income is the main contribution channel of fund return. This product is mainly invested in manufacturing and other general industries, and most of the underlying stocks have excellent performance and considerable growth. At present, it can be predicted that starting from 20 16, the product will have a higher probability of income. However, the reform of the registration system in the A-share market will have an unpredictable negative impact on most of the stocks held by this product, and the short-term stocks are relatively vulnerable to the market turmoil during the 20 16 Spring Festival. To sum up, if you hold this product for a short time since 20 16 1, you will get a greater probability of short-term gains, but there is greater uncertainty in the continuous appreciation.