Source: China Merchants Fund Weixun
We start buying the fund, always able to see this with some letters after his name ABCD and so on, then it is in the end what ah mean? Why obviously fund the same name, but followed a different suffix "little tail" mean? I believe many people like the author, when new to a loss, today I will share some common knowledge of it, understand these "little tail" but can help you choose the best for their own actual conditions, save money it ~ ~
In simple terms, mainly on the different funds suffix letter of collection methods in transaction costs, risk selection and purchase threshold and platform!
A "small tail" debt group A, B, C
Bond Fund Class A: front-end fees that you will need to purchase fee payable at the time of purchase fund. For example, the Taurus Investment Management fund manager Marlon Jinhong Bond Fund (A class), just recently in the hot issue, the subscription rates are relatively low 0.6%.
Class B Bond Fund: back-end fees, refers to not buy the fund fees, after deducting the cost of purchase until the time of redemption, the costs are generally charged according to the length of time held by the fund to the decision, the longer the investment time , the less charge, if you are a short-term investor, then the rates will generally charge higher than the a-side friends.
Class C Bond Fund: the opposite of the first two, both no subscription fees and no redemption fees. Investors do not need to pay at the time of subscription and redemption, but it should be charged daily sales service fees. Merchants such as Jin-hong of Class C shares, subscription investment Jinhong C does not charge any subscription fees, only charge 0.3% sales fee, if you invest in a short time, well below the cost of Class A charge, I here propose to do short-term investments can be considered class C.
Plan Focus: Understand the above knowledge, then we buy that type of bond funds is more cost-effective it? If a large amount of short-term investments and then select the class C bonds is generally recommended; if you are a long term investor, it is recommended that you choose Class B, back-end fees, the longer the holding period, the less the rate it; if you uncertain long-term investment, you can consider buying a class A debt-based.
Second, the IMF's "little tail" A and B
IMF common suffixes are A and B, but in fact a fund, the main difference is that the threshold for purchase, sales and service fees. Note: The IMF is no subscription and redemption fees.
A class Monetary Fund: its relatively low threshold, and now most of the cargo base A subscription starting point of 0.01 yuan, the broad scope of application, more suitable for most ordinary investors, sales and service rates are generally 0.25% per annum. Merchants such as strokes Liberty currency A.
Class B Monetary Fund: IMF this category primarily in general more than 5 million sales service fees than Class A fund of this kind of money for low funds or institutional investors than the larger customers, the minimum subscription starting point, usually 0.01%, such as China Merchants Merchants Liberty currency B. Of course there are exceptions, I Jiabao financial products, "Zhao Zhao Ying" docking of investment money move Bao currency purchase starting point B, but only 0.01 yuan it.
Third, hybrid funds "little tail" A and C
After the name of the hybrid funds A and C, and similar debt-based, the main difference lies in the different charging methods.
A class of hybrid funds: front-end charge a subscription fee. For example Fengda investment mix A, subscription fee 1.5% sales fee 0.
Class C hybrid funds: no subscription fees, sales charges service fees. For example Fengda investment mix C, 0.5% of sales service fee charge only.
Fourth, equity funds "little tail" A, B
Stock funds in the A, B usually appear in the grading fund, with the above mentioned A, B different.
A stock fund category: sound share, expected risk, low income, similar to the bond interest.
Class B stock funds: radical share, through the leverage effect of profit in stock market investments. A share is to borrow money to invest, it is possible to obtain excess returns, but may also assume a greater risk, simply, it is that high-yield, high-risk.
Fifth, those who do not fund suffix common "little tail" DEH
Class D: Class D fund generally refers to the new fund shares or fund sales in a given platform.
E class: This class represents the share of funds only in the special channel sales, sales generally refers to the Internet platform.
Class H: refers to the sale only in Hong Kong, and yuan-denominated share purchase and subscription fees charged when the front end.
Well, after the author's share, we now have a little more understanding not to fund it? I hope you are able to pick up their own, high-cost fund, never stop silly you could not tell the wrong pull ~
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