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基金持有期赎回费率计算工具

介绍

该python工具用来生成基金的持有份额的持有天数以及赎回费率的分布图表,便于选择尽可能低的费率赎回基金。

如上图,从左上第一张小图[交银创业板50指数C]中,可以读出的信息:

  • 赎回费率为0%的份额有:9+598+1157+1192 = 2956份;
  • 赎回费率为1.5%的份额有:1308份
  • 赎回费率:持有期<7天 为1.5%; 7天<=持有期 <31天 为 0.1%; 持有期 >=31天为0%

则在需要申请赎回的时候,便可先最大赎回2956份,可以避免持有期过短所带来的高费率损失。

环境与依赖

  • python3
  • 运行需要先使用pip3安装matplotlib, numpy, pandas, bs4等模块
  • 需要接入因特网,脚本会访问天天基金网爬取基金名字与赎回费率

ps: 本项目在Max/Windows下测试通过,其它平台未进行验证

开始使用

  1. 获取代码: git clone https://github.com/leytou/FundsDateViewer.git
  2. 填写基金信息: 请在src/data.xlsx中填写你历史的基金买入卖出的份额信息,注意日期用的是份额确认的日期。
  3. 运行脚本: cd src && python3 main.py

其它说明

  • 注意在data.xlsx中填写份额时使用的日期是买或卖的份额确认的日期,不是申请买或卖的日期
  • 份额使用取整,去掉小数,如1234.65, 则写为1234
  • 该工具是脑子一热匆匆忙忙写的,代码风格惨不忍睹敬请原谅。

重要声明

本工具仅供学习交流使用,避免用作其它用途,若因使用该工具所造成的一切损失,应由使用者承担。

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