Knowledge List
一次性费用

一次性费用是投资人买卖基金时发生的费用,以开放式基金为例,包括申购费(认购费)、赎回费、转换费、红利再投资费等。你可从基金的招募说明书了解一次性费用的情况。

申购费是投资者购买基金需支付的费用。如果申购费是在购买基金时收取,称为前端收费;在赎回时收取,称为后端收费。有些后端收费在持有基金到达一定年限后可免除。为了鼓励投资人长期持有,有些基金采用按持有期限递减的申购费率;有的基金为了促进销售,对大额申购给予优惠费率。

申购费直接从净申购额中扣除。例如,你用10000元购买前端收费费率为4.5%的基金,净申购金额是10000/(1+0.045),为9569.38元,,该数值为实际进入基金的投资额,扣除的申购费是9569.38*0.045,为430.62元。按规定国内开放式基金申购费率不得超过申购金额的5%,目前此项费率水平约为1%-2%。

赎回费是投资人赎回基金时支付的费用,往往略带惩罚性质,主要是为了鼓励长期投资,减少短期内大量赎回给其他持有人带来的损失。赎回费收入在扣除基本手续费后归基金资产所有。按规定国内开放式基金的赎回费率不得超过赎回金额的3%,目前的费率水平在0.5%左右。

转换费是投资人在同一系列多个基金品种间进行转换产生的费用。

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