The handling fee is generally 0.0% for subscription/kloc-0, 0.5% for subscription/kloc-0 and 0.5% for redemption. However, if you open online banking in the bank to buy some funds, there will be a 0.6-0.8% discount, and if you buy them on the fund website, there will be a 0.4-0.6% discount. First, open bank cards and online banking, and open fund trading accounts. After returning home, go to online banking. If you want to buy the fund of that fund company, go to the fund company to open a fund account, and then purchase or subscribe. If the fund company does not support your card, you can remit money to buy it.
Make a self-understanding first, whether it is high risk and high income or steady capital preservation income. The former buys stock funds, while the latter buys bonds or money funds. After determining the type of fund, the choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference, fund charging standard and so on. Online ranking of fund performance. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment, and the index funds with the same target choose low management fees and custody fees. I'm afraid I won't make a specific recommendation. Only the feet know whether the shoes are good or not.
Generally speaking, there are two ways to invest in open-end funds, single investment and regular quota. The so-called fund "fixed investment" means that investors invest a fixed amount (such as 10 yuan) in the designated open-end fund at a fixed time every month, which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"
The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.
It is always an opportunity to invest in stock funds to make a fixed investment, but only if you have the determination to persist can you see the effect.