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We often see the letters behind the name of the fund ABC, this represents what does that mean, and how do we choose? Today, Daniel, to find out more about.
First, Daniel, to tell you about science. We buy funds charge fees a total of five: subscription fees, management fees, sales and service fees, redemption fees . Depending on the length of time held by the fund category and sales service fees and redemption fees may not be charged.
ABC said the latter figure above fund is mainly charging methods when buying fund.
Charging methods are summarized as follows:
A front-end fees represent both charge subscription fees, redemption fees and charges.
B represents a back-end fees, no subscription fees, redemption fees only.
C represents the subscription fees and redemption fees are not charged, but every year a certain percentage of the sales charge service fee
For Class A Fund, previously required to buy through banks and other channels to fund front-end subscription fee is more expensive, to charge about 1% -1.5%, the maximum can not exceed 5%. General fund bank sales are not discounted, sometimes occasionally make a 9 fold, 8-fold and so on. A group of funds is to charge redemption fees, but hold 1-- after 2 years may be reduced until exempt redemption fees.
Thus was launched the Class B fund, no subscription fees when, but redemption fee is relatively high, although long-term holders may be exempt from redemption fees, but requires holders of Class A fund long time than a long time to exempt redemption fees.
With the rapid development of mobile Internet for everyone to buy the fund also has brought great convenience, the birth of many third-party fund sales platform, subscription fees are also a substantial discount. Now many platforms directly hit a discount, the original charge of 1%, now only charge 0.1%. Class B shares do not charge subscription fees advantage becomes very small, have been impossible, so we rarely see the B class funds.
For Class C shares, do not charge subscription fees and redemption fees, but every year to charge a certain percentage of sales service fee, usually around 0.2-0.5%.
For example: For example tianhong CSI 300 A (000961) and Tin Hong CSI 300 C (005918).
The figure can be seen, Celestica Shanghai and Shenzhen 300 Index more than C A 0.25% management fee is charged every year, so for long-term investment is not worthwhile. But C does not charge redemption fees after 7 days, more suitable for short-term investments.
对于买入任何基金，现在都有规定，如果持有少于7天会收取1.5%的“惩罚性”手续费，收取的费用会归入基金净值中，算是对于长期持有基金的投资者的奖励。所以大家不要频繁的短期交易基金。
牛大为大家总结的A和C的选择策略如下：
如果长期投资基金，大家选A类；短期投资，则选C类。
牛大和大家都是长期定投的，并且长期投资下来，赎回费也会按持有时间逐渐降低直至不收取，所以为大家挑选的基金大多是A类的。以后随着指数基金在国内流行起来，费率还会降低，对于咱们指数基金投资者来说是非常好的。
基金的管理费、托管费、销售服务费，实际是按每天收取的。也就是说，每天的基金净值都是已经扣除了管理费、托管费等费用的。比如对于天弘沪深300指数A，管理费为0.5%每年。其实是每天都会扣除一点，一年加起来总共是收取0.5%，牛大应该帮大家解惑了吧。
牛大会为大家精心挑选的21只基金，收取费用都是比较低的。比如挑选的易方达沪深300ETF联接A（110020），管理费只收取0.15%，托管费只收取0.05%，已经是目前牛大所见到最低的费率了。
能帮大家省到，就是帮大家赚到~！
每天花5分钟收看牛大的文章，一起定投基金赚钱。剩下的苦活累活就都交给牛大吧，这也是我每天努力在为大家做的。
每天五分钟，投资你自己。相信牛大：一起努力，咱们终将富有！