How to calculate the fixed investment fee of Jianxin Fund?

As one of the four state-owned banks, China Construction Bank has a large number of customers and products. Many people will also choose to buy funds or invest in CCB. We know that the purchase of funds generally requires a handling fee. Then, how is the handling fee for the fixed investment of CCB Fund calculated?

How to calculate the handling fee for the fixed investment of Jianxin Fund?

Except for the monetary fund, the subscription fee is deducted for each fixed investment of the fund, and the fixed investment fee of CCB Fund is:

Generally speaking, the handling fee for the fixed investment of bank funds is relatively high, which is generally charged at 0.5% of the subscription amount of 65438+. Discount outlets 20%, China Construction Bank 20%, that is, 1.2%, online banking 60%, and direct sales by fund companies 40%. For details, please refer to official website, the fund of major banks.

When redeeming the fund collected before, the redemption fee shall be charged according to the holding period of the fund, and 0.5% of the redemption amount shall be charged for the part less than 1 year, 0.25% for the part less than 2 years and 0.5% for the part less than 2 years.

Funds charged later do not charge subscription fees, but charge redemption fees at the time of redemption, with a maximum of 65,438+0.8% of the redemption amount, decreasing by 20% year by year and 0.5% after five years.

Introduction to the fixed investment of Jianxin Fund:

China Construction Bank's fixed fund investment is the abbreviation of "subscription of fixed-term funds", which refers to a long-term investment method in which investors agree on the time and amount of monthly deduction, and the sales organization (CCB) automatically completes the deduction and fund subscription application from the fund account designated by investors on the agreed day of each month. It has the advantages of simple procedures, average cost, risk dispersion and compound interest effect.

According to different investment objects, funds can be divided into stock funds, bond funds, hybrid funds and money market funds. On the premise that risk and income are in direct proportion, the product risk arrangement is as follows: stock fund >; Hybrid fund > bond fund > money market fund.