No matter what rate the fund company takes, when some funds are redeemed, they will be charged according to the principle of "first in, first out".
Reader Miss Li wrote to ask, she bought the same fund many times this year, with different amounts. If she wants to redeem part of it, how to calculate the rate and according to which purchase time?
According to HSBC Jintrust Fund Company, there are two kinds of redemption rates, one is fixed rate, and the redemption rates of such funds (regardless of holding time) are mostly below 0.5%. Another less used method is to encourage the setting of long-term holding interest rates. For example, if the fund holds less than 1 year, the redemption rate is 0.5%; /kloc-the redemption rate for 0/year and less than 2 years is 0.2%; After 2 years, the rate is 0.
Generally speaking, the redemption fee is calculated by the "first-in, first-out" method, that is, when redeeming shares, the fund company redeems them in turn from the shares that investors bought the earliest. For example, investors bought 5,000 copies of HSBC Jintrust Longteng Fund in June 5438+ 10 (the fund redemption rate was 0.3%) and HSBC Jintrust Longteng Fund in February. If investors apply for redemption of 8,000 shares in March, the fund company's operation is 65,438+10, and 5,000 shares in February, and+3,000 shares in February. The redemption fee that investors need to pay is 8000× 3.0604 (65438+1net fund value on October 65438 +02) ×0.3%=73.4 yuan (rounded to one decimal place).
If the fund purchased by investors has different redemption rates according to the holding time, then the first-in-first-out method is also used in the calculation. Assuming the holding time is less than 1 year, the redemption rate is 0.5%; 1 year and less than 2 years is 0.2%; 0 is 2 years. If an investor bought 50,000 yuan of the fund the year before last (based on the holding time of 2 years), 50,000 yuan last year (based on the holding time 1 year), and 50,000 yuan at the beginning of this year (less than 1 year), he will redeem 1 10,000 yuan now. Due to the simple calculation, regardless of the appreciation brought by the fund investment during the period, the redemption order of the fund company is 50,000 yuan for 2 years+50,000 yuan for 65,438 years +0 years. The redemption fee that investors need to pay: 50,000× 0+50,000× 0.2% =100 yuan.