重大利好！证监会宣布：拟降低基金认申购费率，股票型基金认申购费率上限调降至0.8%

Core Viewpoint - The China Securities Regulatory Commission (CSRC) has revised the "Regulations on the Management of Sales Fees for Publicly Offered Securities Investment Funds" to lower investor costs and promote high-quality development in the public fund industry [1] Group 1: Fee Adjustments - The maximum subscription fees for stock funds, mixed funds, and bond funds have been reduced to 0.8%, 0.5%, and 0.3% respectively, encouraging sales institutions to offer further discounts [2] - The redemption fee will now be fully included in the fund's assets, simplifying the fee structure from four tiers to three, and optimizing the redemption fee arrangements for different holding periods [2] - The maximum sales service fees for stock funds, mixed funds, index funds, and bond funds have been lowered to 0.4% per year, 0.2% per year, and 0.15% per year respectively, with no sales service fees charged for fund shares held for over one year (excluding money market funds) [2] Group 2: Focus on Client Services - The current maintenance fee ratio of 50% for individual clients and 30% for institutional investors in equity funds will remain unchanged, with encouragement for sales institutions to enhance personal client service capabilities [2] Group 3: Legal and Operational Framework - The legal basis and functional positioning of the Fund Industry Institutional Investor Direct Sales Service Platform (FISP platform) have been clarified, promoting engagement with the platform for fund subscription and redemption [2] - Other modifications include stipulations on the allocation of interest from idle funds in clearing accounts to fund assets and the prohibition of dual charging in fund advisory services [3]