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买基金100元为啥卖出只有58
Sou Hu Cai Jing· 2025-06-15 14:00
Core Viewpoint - The significant loss in fund value from 100 yuan to 58 yuan can be attributed to various factors including market volatility, leverage products, and high fees incurred during the holding period [3][8]. Group 1: Reasons for Principal Loss - Market Volatility: A fund purchased at a net value of 1.0 can drop by 40% during the holding period, resulting in a selling price of 0.6, leading to a loss after fees [3]. - Leverage Products: Funds with enhanced features can yield high returns in a rising market but may incur 1.5 to 2 times the losses during market downturns [3]. Group 2: Fee Deductions - Subscription Fee: A-class funds charge a subscription fee of 0.15%, which amounts to 0.15 yuan on a 100 yuan investment [3]. - Redemption Fee: A minimum of 1.5% is charged if the fund is held for less than 7 days, equating to 1.5 yuan on a 100 yuan investment [3]. - Management and Custody Fees: With an annualized fee of 1.5%, approximately 0.37 yuan is deducted for a 90-day holding period [3]. - Sales Service Fee: C-class funds incur an annualized fee of 0.4%, resulting in about 0.1 yuan deducted over 90 days [3]. - Total Fees: The cumulative fees amount to 2.12 yuan, leading to a final value of 58 yuan after accounting for a 38% drop in net value [3]. Group 3: Risk Considerations - Fund Liquidation Risk: Funds with a continuous size below 50 million may face liquidation risks, potentially leading to a sharp decline in net value [5]. - Currency Fluctuation: Investors in overseas QDII funds must manage the risks associated with currency appreciation and the combined losses from overseas stock declines and currency depreciation [5]. Group 4: Fund Management Strategies - Fund Analysis: Investors should log into their purchasing platform to review transaction records, focusing on net value and fee details [5]. - Stock Position Review: By entering the fund code on brokerage platforms, investors can check the underlying stocks and assess any significant losses in major holdings [5]. - Investment Recommendations: For funds held over two years, investors may consider waiting for industry rotation. For problematic funds, transitioning to money market or bond funds is advisable [5][6].