降费后，购买基金还需要区分A类、C类份额吗？

Group 1 - The core viewpoint of the article is the introduction of new regulations by the China Securities Regulatory Commission (CSRC) aimed at reducing sales fees and optimizing redemption fee systems for public funds, marking the beginning of the third phase of public fund fee reform [1][3] - The new regulations propose that for stock funds, mixed funds, and bond funds held for more than one year, no sales service fees will be charged, encouraging long-term investment and value investment practices among investors [3] - The distinction between Class A and Class C shares is primarily based on their fee structures, with Class A shares having front-end fees and Class C shares having back-end fees, which can affect the cost-effectiveness depending on the holding period [1][2] Group 2 - Under the new fee structure, if a stock fund is purchased for 100,000 yuan with a common 40% discount rate, the fees for Class A and Class C shares converge if held for over one year, while Class C shares maintain a fee advantage for holding periods between six months to one year [2] - The adjustments in fees are intended to promote long-term holding by investors, as frequent trading can lead to losses due to time lags in fund subscription and redemption, especially in a rapidly changing market [2][3] - The CSRC's release of the draft regulations is a step towards refining the fee structure for public funds, with specific details to be revealed once the revisions are finalized [3]