1. Different people
Class A money fund: for small households, that is, retail investors. Generally, there is no limit on the number, and the reserved share is less than 6.5438+million, which is a class A monetary fund.
Category B monetary fund: for large subscription, the fund share is generally required to be more than 6,543,800+million.
2. The threshold for purchase is different.
The subscription threshold of Class A money funds is relatively low, usually starting from 65,438 yuan+0,000 yuan, and the subscription threshold of a few money funds such as CEIBS and ICBC is reduced to 65,438 yuan+0,000 yuan.
The starting investment threshold of Class B money funds is relatively high, usually 5 million yuan.
3. The minimum reserved share in the sales organization is different.
The minimum reserved share of Class A money funds in sales organizations is 1000.
The minimum reserved share of Class A money funds in sales organizations is 5 million copies (or 6.5438+million copies).
4. Different sales service fees
The sales service fee charged by Class A money funds is 0.25%.
The sales service fee charged by Class B money funds is only 0. 1%.
What are the trading rules of ab Monetary Fund?
There is no handling fee for the subscription and redemption of monetary funds. Generally, T+ 1 can be redeemed, and Yu 'ebao and change pass can even be received within 2 hours. Monetary fund subscription is also faster. Subscribe before T day 15, and you can enjoy the discount of T+ 1 day. If the subscription is made after T day 15, it will be postponed 1 day.
The difference between money funds and stock funds is that the stock market is closed on weekends and holidays, and the net value of stock funds will not change, so there will be no profit and loss, but money funds calculate their income on weekends and holidays.
So if you want to make a profit at the weekend, you have to apply before Thursday 15. The goods-based holiday does not show the benefits, but will be reflected on the first day after the holiday.
Monetary funds are generally exempt from subscription and redemption fees. The difference between suffix A and suffix B of monetary fund is mainly reflected in the subscription share. A means that the sales service fee of money funds is generally 0.25%, and the subscription threshold is generally 100 yuan or 1000 yuan, which is suitable for ordinary investors. B means that the sales service fee is generally 0.0 1%, and the subscription threshold is 5 million yuan.
A stands for front-end charging method, that is, the subscription fee is deducted when the fund is subscribed. The subscription fee varies with the subscription amount. At the same time, redemption fee is related to holding time. The longer the holding time, the lower the redemption fee. There is usually no redemption fee for one year or more. The front-end charging mode is the most common charging mode.
B stands for back-end charging mode. The subscription fee is not deducted when the fund is subscribed, but the corresponding subscription fee is deducted according to the holding time when it is redeemed. The general subscription fee decreases with the increase of time, and the redemption fee is charged according to the holding time. The longer the time, the lower the cost. When the back-end charging mode is adopted, the subscription rate is generally not discounted. Few funds adopt the back-end charging model.