When investing in a capital-guaranteed fund, you need to first consider the subscription and redemption rates to estimate the expected annualized return on investment.

What are the subscription and redemption rates for capital-guaranteed funds?

1. The redemption rate of capital-guaranteed funds is different from other general fund products. The redemption fee of this type of fund is relatively high. Generally, the redemption rate within one year of investment is 2%, and the redemption rate of investment between 1 and 2 years is 2%.

The fee rate is 1.5%. The fee rate is 1% for investments of 2 to 3 years. The redemption fee is zero for investments of 3 years and above.

Therefore, products such as capital-preserved funds are not suitable for regular fixed investments, and the investment period is generally relatively long. The best time to hold capital-preserved funds is more than one year. Unless there is a particularly huge contribution from new stocks, they are generally not suitable for short-term investment.

2. Subscription fee rate. The subscription fee rate for capital-guaranteed funds is generally 1.2%. Investors can have a variety of preferential subscription channels. Online banking transactions of fund companies can generally reach a minimum subscription fee of 0.6%. Some fund companies also offer subscription fees1

Discount activity, which requires remittance to buy funds or treasure products to invest in capital-guaranteed funds.