¿Qué comisiones me pueden aplicar a la hora de comprar un fondo de inversión?

A la hora de invertir, uno de los factores que puede condicionar que lo hagamos en un activo u otro, es la comisión que tenga el activo. Los fondos de inversión es uno de los activos que más dudas suele generar en este aspecto, ya que a la hora de mirar el folleto informativo de un fondo, aparecen ciertas comisiones y gastos que podemos no tener claro si se nos van a aplicar o no.

Costes directos e indirectos

En primer lugar, antes de pasar a ver las comisiones que puede cobrar un fondo de inversión, debemos de tener claro que hay una serie de comisiones que el fondo descuenta del patrimonio gestionado y que por tanto se descuentan del valor liquidativo del mismo; y existen otras comisiones que se pueden descontar de la cuenta corriente.

Las comisiones que el fondo descuenta del patrimonio, se denominan comisiones indirectas, ya que no las pagamos directamente en cuenta, si no que nos minoran la rentabilidad que nos proporciona el fondo; mientras que las comisiones que se nos carguen en cuenta corriente por tener ese fondo de inversión, se denominarían comisiones directas.

Costes indirectos

Veamos algunos tipos de comisiones indirectas en un fondo de inversión.

Comisión de Gestión: Es la principal comisión de un fondo de inversión, y se trata de la comisión que el fondo cobra por gestionar el patrimonio. Con esta comisión se paga a los gestores y otro tipo de gastos internos que pueda tener el fondo para su funcionamiento, como gastos de auditoría por ejemplo.

Comisión de Éxito: Comisión que puede cobrar la gestora del fondo, si este llega a un nivel de rentabilidad mínimo y fijado de antemano.

Comisión de Depósito: Comisión que puede cobrar la gestora del fondo por el depósito y custodia de los activos que tiene dentro del fondo de inversión y que repercute al cliente.

Comisión de Suscripción: Comisión que puede cobrar la gestora del fondo porque el inversor compre participaciones de su fondo.

Comisión de Reembolso: Comisión que puede cobrar la gestora del fondo por vender las participaciones de su fondo.

Costes directos

Veamos algunos tipos de comisiones directas en un fondo de inversión.

Comisión de Suscripción: Comisión que puede cobrar la entidad que comercializa el fondo por comprarlo. No hay que confundir esta comisión que cobra la entidad comercializadora, es decir el banco, con la que puede cobrar la gestora del fondo. Son comisiones diferentes.

Comisión de Reembolso: Comisión que puede cobrar la entidad que comercializa el fondo por venderlo. Al igual que en el caso anterior, no confundir la comisión que puede cobrar la comercializadora con la que puede cobrar la gestora.

Comisión de Custodia: Comisión que puede cobrar la entidad que comercializa el fondo por tener el fondo depositado. Suele ser una comisión anual, pero pagadera trimestralmente.

119 comentarios
  1. with g Dice:

    Oh my goodness! Incredible article dude! Thank you, However I am having problems with your RSS.
    I don’t know the reason why I can’t join it.
    Is there anybody having identical RSS problems? Anyone who knows the solution can you kindly respond?

  2. when g Dice:

    Heya i’m for the first time here. I came across this board and I find It really
    useful & it helped me out much. I hope to give something back and help others like you helped me.

  3. http://tinyurl.com/ya5uqffr Dice:

    Hi there very nice blog!! Guy .. Excellent .. Wonderful ..
    I will bookmark your web site and take the feeds additionally?
    I’m satisfied to find so many helpful info here in the put up, we want
    develop more strategies in this regard, thank you for sharing.
    . . . . .

  4. tinyurl.com Dice:

    Heya i’m for the primary time here. I came across this board and I find It truly
    useful & it helped me out a lot. I’m hoping to offer something
    again and help others like you aided me.

  5. web hosting company Dice:

    I was curious if you ever considered changing the structure of your website?
    Its very well written; I love what youve got to say.
    But maybe you could a little more in the way of content so people could connect with it
    better. Youve got an awful lot of text for only having 1 or 2 pictures.
    Maybe you could space it out better?

  6. 카지노사이트 Dice:

    Hi there. I found your website via Google at the same time as looking for a similar topic, your site came up. It appears good. I have bookmarked it in my google bookmarks to visit then.

  7. web host Dice:

    Hello would you mind sharing which blog platform you’re working with?
    I’m going to start my own blog in the near future but I’m
    having a hard time deciding between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your design and style
    seems different then most blogs and I’m looking for something
    completely unique. P.S My apologies for getting off-topic but I had to ask!

  8. website host Dice:

    naturally like your website but you need to check the spelling on quite a few of your posts.
    Several of them are rife with spelling problems and I to find it very troublesome to tell the
    reality then again I’ll definitely come back again.

  9. web host Dice:

    Hi, i think that i saw you visited my site
    thus i came to return the favor?.I’m trying to in finding issues to improve my site!I assume its good enough to
    make use of some of your ideas!!

  10. adreamoftrains website hosting services Dice:

    Hello there, I found your site via Google while searching for a related topic,
    your web site got here up, it seems to be good. I have bookmarked it in my google bookmarks.

    Hi there, just become alert to your weblog via Google, and found
    that it is truly informative. I’m gonna watch out for
    brussels. I’ll be grateful in the event you continue this in future.
    Lots of people will likely be benefited out of your writing.
    Cheers! adreamoftrains web hosting

  11. website hosting companies Dice:

    Hey There. I found your blog using msn. This is a really well written article.
    I’ll be sure to bookmark it and come back to read more of your useful information. Thanks for the post.
    I’ll definitely return.

  12. cheap flights Dice:

    I think this is one of the most important information for me.

    And i’m glad reading your article. But want to remark on few general things,
    The site style is wonderful, the articles is really nice :
    D. Good job, cheers

  13. cheap flights Dice:

    Write more, thats all I have to say. Literally,
    it seems as though you relied on the video to
    make your point. You definitely know what youre talking
    about, why throw away your intelligence on just posting videos to your weblog when you could be giving us something enlightening
    to read?

  14. cheap flights Dice:

    Hi fantastic website! Does running a blog like this take a great deal of work?
    I have absolutely no understanding of coding but
    I had been hoping to start my own blog soon. Anyways, should
    you have any recommendations or techniques for new
    blog owners please share. I know this is off topic however I simply had to ask.
    Thanks a lot!

  15. website hosting services Dice:

    I’ve been browsing online more than 3 hours today, yet I never
    found any interesting article like yours. It is pretty worth enough for
    me. Personally, if all webmasters and bloggers made good content as you did, the web will
    be a lot more useful than ever before.

  16. Scarlett Dice:

    Por otra parte, puede interesarte un reloj con una pantalla refulgente
    de diferentes colores o con proyector dependiendo de la iluminación.

  17. joe biden hat Dice:

    Please let me know if you’re looking for a writer for your blog.
    You have some really good posts and I believe I would be a good asset.
    If you ever want to take some of the load off, I’d love to write some articles for your blog in exchange for a
    link back to mine. Please shoot me an email if interested.

    Also visit my web-site … joe biden hat

  18. BÔNUS Dice:

    O Relógio sobre Madeira Bobo Bird Led é um produto exclusivo, desenvolvido para os indivíduos que valorizam acessórios
    distintos e únicos.

  19. Anderson Dice:

    It is the best time to make some plans for the
    longer term and it is time to be happy. I’ve learn this submit
    and if I may just I wish to suggest you some attention-grabbing things or suggestions.
    Maybe you can write next articles referring to this article.
    I wish to learn more issues about it!

  20. the feed Dice:

    After I originally left a comment I seem to have clicked on the -Notify me when new comments are added- checkbox and now every time a comment is added I recieve four emails with the exact same comment. Perhaps there is a way you are able to remove me from that service? Appreciate it!|

  21. Stewart Dice:

    I blog quite often and I really thank you for your information. The article has really peaked
    my interest. I am going to take a note of your blog and keep
    checking for new details about once per week.
    I opted in for your RSS feed as well.

  22. feed Dice:

    When someone writes an post he/she keeps the plan of a user in his/her brain that how a user can know it. So that’s why this paragraph is perfect. Thanks!|

  23. Layarkaca21 Dice:

    Wow, amazing weblog structure! How long have you ever
    been running a blog for? you made running a blog
    glance easy. The full look of your website is fantastic, let alone the content material!

  24. Tami Dice:

    I love your blog.. very nice colors & theme. Did you design this
    website yourself or did you hire someone to do it for you? Plz respond as I’m looking to construct my own blog
    and would like to find out where u got this from. thanks a lot

  25. layarkaca21 Dice:

    Awesome blog! Is your theme custom made or did you download it from somewhere?

    A theme like yours with a few simple adjustements would really make my blog
    stand out. Please let me know where you got your design. With

  26. Amy Dice:

    Hello there, just became aware of your blog through Google, and
    found that it is really informative. I’m gonna watch out for brussels.
    I’ll be grateful if you continue this in future. Lots of people will be benefited from your writing.

  27. layarkaca21 indoxxi Dice:

    Does your website have a contact page? I’m having
    a tough time locating it but, I’d like to send you an email.
    I’ve got some ideas for your blog you might be interested
    in hearing. Either way, great blog and I look forward to seeing it
    expand over time.

  28. Agustin Dice:

    Hi there, You’ve done a great job. I’ll certainly digg it and personally
    suggest to my friends. I’m confident they will be benefited from this web site.

  29. Lumo Stat Cream Dice:

    Excellent goods from you, man. I’ve understand your stuff previous to and you’re just
    too fantastic. I actually like what you’ve acquired here, certainly like what you are stating and the way in which you say it.
    You make it enjoyable and you still care for to
    keep it sensible. I can not wait to read much more from you.
    This is actually a great web site.

    Also visit my page; Lumo Stat Cream

  30. bokep Dice:

    I blog quite often and I seriously thank you for your content.
    The article has really peaked my interest. I am going to bookmark your website and keep checking for new information about once a week.
    I subscribed to your RSS feed as well.

    Here is my webpage … bokep

  31. indoxxi layarkaca21 Dice:

    I am not sure where you are getting your information, but great
    topic. I needs to spend some time learning more or understanding more.
    Thanks for wonderful info I was looking for this info for my mission.

  32. link Dice:

    Hi there, the whole thing is going fine here and ofcourse every one is
    sharing information, that’s in fact good, keep up writing.

  33. Vickie Dice:

    Thank you for sharing your thoughts. I really appreciate
    your efforts and I am waiting for your further post thanks
    once again.

  34. superbeets Dice:

    Howdy would you mind letting me know which webhost you’re using? I’ve loaded your blog in 3 different web browsers and I must say this blog loads a lot faster then most. Can you recommend a good web hosting provider at a reasonable price? Cheers, I appreciate it!|

  35. Shay Dice:

    For newest news you have to pay a quick visit web and on world-wide-web I found this
    site as a finest web page for most recent updates.

  36. cheap flights Dice:

    Wonderful blog! I found it while surfing around on Yahoo News.
    Do you have any tips on how to get listed in Yahoo News?
    I’ve been trying for a while but I never seem to get there!

  37. cheap flights Dice:

    Hello are using WordPress for your site platform? I’m new to the blog world but
    I’m trying to get started and set up my own. Do you need any html
    coding expertise to make your own blog? Any help would be greatly appreciated!

  38. cheap flights Dice:

    That is very interesting, You are a very skilled blogger.
    I’ve joined your feed and stay up for in search of more
    of your great post. Additionally, I have
    shared your site in my social networks

  39. w88 Dice:

    I read this paragraph completely about the comparison of most recent and earlier technologies,
    it’s amazing article.

    Here is my blog w88

  40. vreyro linomit Dice:

    Thanx for the effort, keep up the good work Great work, I am going to start a small Blog Engine course work using your site I hope you enjoy blogging with the popular BlogEngine.net.Thethoughts you express are really awesome. Hope you will right some more posts.

  41. junk car buyer Dice:

    Hello there, just became alert to your weblog through Google, and located that it is really informative. I am going to be careful for brussels. I’ll appreciate should you continue this in future. Many folks shall be benefited from your writing. Cheers!|

  42. http://tinyurl.com/yatbgnsv Dice:

    Yesterday, while I was at work, my cousin stole my iPad and tested to see if it can survive
    a forty foot drop, just so she can be a youtube sensation. My
    iPad is now destroyed and she has 83 views.

    I know this is completely off topic but I had to
    share it with someone!

  43. gamefly Dice:

    I love your blog.. very nice colors & theme. Did you
    make this website yourself or did you hire someone to
    do it for you? Plz respond as I’m looking to construct my own blog and would like to
    find out where u got this from. thank you games ps4 185413490784 games ps4

  44. coconut oil Dice:

    This is a really good tip particularly to those fresh to the blogosphere.
    Short but very precise information… Appreciate your sharing this one.
    A must read article! ps4 games 185413490784 ps4 games

  45. http://j.mp Dice:

    What’s up i am kavin, its my first occasion to commenting
    anyplace, when i read this piece of writing i thought i could also create comment due to this brilliant piece of writing.

  46. http://tinyurl.com/yh99449w Dice:

    Hey there! I just wanted to ask if you ever have any
    trouble with hackers? My last blog (wordpress) was hacked and I ended up losing
    many months of hard work due to no data backup. Do you have any methods
    to stop hackers?

  47. http://tinyurl.com Dice:

    What’s Happening i’m new to this, I stumbled upon this
    I have found It absolutely useful and it has helped me out loads.

    I am hoping to give a contribution & aid other
    users like its aided me. Great job.

  48. fathor Dice:

    I every time used to study piece of writing in news papers but now as I am a user of web therefore from now I am using net for articles, thanks to web.|

  49. houston junk car buyers Dice:

    I think that what you published was very logical. However, what about this?
    suppose you typed a catchier title? I am not saying your content is
    not good, however suppose you added something to maybe grab
    people’s attention? I mean ¿Qué comisiones me pueden aplicar a la hora de comprar un fondo
    de inversión? – Consulae is kinda boring. You should look at Yahoo’s
    home page and watch how they create post headlines to get viewers to click.
    You might add a related video or a pic or two to grab people excited about
    everything’ve written. In my opinion, it would
    make your posts a little bit more interesting.

    Feel free to surf to my website: houston junk car buyers

  50. Bess Blackwood Dice:

    Thanks for any other informative website. Where else may just I get that kind
    of information written in such an ideal method?

    I’ve a undertaking that I am just now operating on, and I have been at the look out for such information.

    Also visit my homepage :: http://www.hockeyforums.org

  51. 0mniartist Dice:

    I am extremely impressed with your writing skills as well as with the layout
    on your blog. Is this a paid theme or did you customize it yourself?
    Either way keep up the nice quality writing, it is rare to see a nice blog like this one these days.
    asmr 0mniartist

  52. click here Dice:

    My partner and I stumbled over here by a different page and thought I might check
    things out. I like what I see so now i’m following you. Look forward to looking into your web page
    for a second time.

Dejar un comentario

¿Quieres unirte a la conversación?
Siéntete libre de contribuir!

Deja una respuesta

Tu dirección de correo electrónico no será publicada.