中文：

赎回费是指在投资者赎回基金时需要支付的费用。它是基金公司为了弥补基金在运作过程中产生的成本而向投资者收取的费用。赎回费的计算方式通常是根据投资者赎回的基金份额和持有时间来决定的。一般来说，持有时间越长，赎回费率越低。

赎回费的收取对于投资者来说是非常重要的。因为如果投资者频繁赎回基金，就需要支付较高的赎回费用，这会影响到投资者的收益。同时，如果投资者在基金净值下跌时赎回基金，那么赎回费用也会相应增加。因此，投资者在决定赎回基金时需要谨慎考虑，避免因不理智的投资行为而造成不必要的损失。

英文：

Redemption fee refers to the fee investors need to pay when redeeming funds. It is a fee charged by the fund company to cover the costs of fund operations and compensate for the losses generated when investors redeem the fund. The calculation method of redemption fees is usually determined by the number of fund shares investors redeem and the holding period. Generally speaking, the longer the holding period, the lower the redemption rate.

The collection of redemption fees is very important for investors. If investors frequently redeem funds, they need to pay higher redemption fees, which will affect their returns. At the same time, if investors redeem funds at a time when the net value of the fund decreases, the redemption fee will also increase accordingly. Therefore, investors need to carefully consider when deciding to redeem funds to avoid unnecessary losses caused by irrational investment behavior.