2 How to make a fixed investment-choose a fund and deposit the money in the bank card.
3 How to calculate all expenses incurred-subscription fee 1.5%, redemption fee 0.5% (charged according to the amount).
4 how to get back the cash after the expiration? Salvation.
5 There is also dividend-the dividend of the fund is meaningless at all, which is equivalent to putting the money in the left pocket into the right pocket.
Do you think the above answers can help you understand what and how the foundation will invest? Answering your question doesn't help you at all, because you have no idea about funds, and you are a typical novice. So it's best to know the following basic knowledge about funds first.
This is a question I have answered for many novices, which is more universal. You can have a look first.
1. What is a fund?
I want to ask you first: Do you know what stock trading is?
If you know, it is easy to say that the fund (stock type) means that we give money to the fund company to buy stocks. Then why don't we buy it for the fund company? Because the professionals of fund companies have a higher level of stock trading than ordinary investors (this is the most commonly used temptation word when fund companies persuade everyone to buy funds).
Therefore, investing in stock funds is an indirect investment in stocks, so funds will bear the risks of stocks more or less. Many investors, in fact, don't know that the fund is indirectly investing in stocks, so they think that the fund is making steady profits, which is all wet.
Because we give money to fund companies to buy stocks, we always give people some labor costs, so there are subscription fees and redemption fees.
Of course, as a fund company, because of its professional personnel (rich professional knowledge of stock trading) and huge funds (you can buy a lot of stocks), it is objectively easier to make profits than retail investors. That is, many people think that funds are the first choice for investment, rather than touching stocks.
In addition, there are bond funds. Buying bond funds is equivalent to giving money to fund companies to buy bonds. Maybe you will ask: Why not buy it yourself? Because fund companies have a lot of money and are institutions, they can buy many corporate bonds that are not open to ordinary investors, and the income is much higher than the national debt we can buy.
I wonder if you can understand.
Let's just put it this way: a fund means that many people give a fund company a lot of money to buy stocks or bonds.
2. Fund investment expenses
Monetary fund-free.
Bond fund-subscription fee is about 0.8%; The redemption fee is 0. 1%-0.3% (within one year). The redemption fee decreases with the extension of the holding fund, and is generally free for more than three years.
Stock funds-subscription fee 1.5%, redemption fee 0.5% (within one year). The redemption fee decreases with the extension of holding the fund, and is generally exempted for more than three years.
This is only a rough standard. The rates of buying funds at bank counters, online banking and fund company websites are different, among which the fund company website is the most favorable. Therefore, you must be clear when you buy it.
Whether it is subscription or redemption, the handling fee is calculated according to the amount.
Take stock funds as an example to calculate:
Subscription (subscription according to the amount, that is to say, buying a fund of 654.38+10,000 yuan):
Suppose the net value of a fund on the day of your subscription is 0.850 yuan.
Handling fee:100000×1.5% =1500 yuan.
Actual subscribed capital:100000-1500 = 98500 yuan.
Subscription share: 98500 ÷ 0.850 =115882.35.
Redemption (redemption by share, that is, xxxx shares of the redemption fund):
Suppose the net value of a fund on the day of your redemption is 1.250 yuan.
Fund amount:115882.35×1.250 =144852.94 yuan.
Handling fee: 144852.94×0.5%=724.26 yuan.
Actual redemption amount:144852.94-724.26 =144128.68 yuan.
The actual profit of your investment is 44 128.68 yuan, which is successful!