First of all, it is the front-end charge. The default way is this, that is, when you buy every month, you have to pay the fixed investment fee of the fund in proportion, which increases the cost of fixed investment. If you buy at the bank counter, the handling fee is generally 1.2- 1.5%, while if you buy online, the handling fee is 60-20%. If you buy on the fund company's website, the handling fee can be as low as 40%.

The second is the back-end charging (the fund needs to support the back-end charging model). That is, the fund will not charge a fixed investment fee when buying every month, and will charge subscription fees at different rates according to the holding time when redeeming.

Extended data:

According to different standards, securities investment funds can be divided into different types:

(1) According to whether the fund unit can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.

(2) According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.

(3) According to the different investment risks and returns, it can be divided into growth funds, income funds and balanced funds.

(4) According to different investment objects, it can be divided into stock funds, bond funds, money market funds and futures funds.