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银行职员夫妻回应下班偷偷送外卖

养老规划投教先行｜银华基金：养老投资为何优选Y份额？_蜘蛛资讯网

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方面：　　首先是费率更低。Y份额的管理费和托管费在A份额的基础上实施了一定的费率优惠，一般是打5折；二是净值计算方法不同。由于基金净值的计算包括费用因素，A类基金份额和Y类基金份额的净值也会有所不同；三是购买方式不同。Y份额是专门针对个人养老金资金账户投资人的投资产品，只能通过个人养老金资金账户进行申购；四是赎回方式不同。Y份额的赎回款不能直接现金提取，而是被转入个人养老金资金账户中，可以继续购买

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