You can bring your ID card to a securities company or bank to open an account, buy or sell, or make a fixed investment. Steps to handle the fund's fixed investment business through online banking (taking China Merchants Bank as an example): 1, apply for a one-card gold card or ordinary card 2 of China Merchants Bank to open the online banking professional version, and apply for a digital visa 3 to download the professional version of China Merchants Bank. After installation, you can enable Digital Visa 4 to set the login password and all kinds of passwords required for online banking login. And set the system accordingly. 5 Log in, click Investment Management/Fund/Fund Account/Fund Account, and select the fund company that needs to purchase funds to open an account. 6 After about 2-4 days, log in again and click Investment Management/Fund/Fund Account/Account Inquiry to confirm whether the account opening is successful. 7 Click Investment Management/Fund/Investment Plan/Investment Plan Application, enter the fund code, and click Apply for Investment Plan. Enter the monthly fixed investment amount and expiration date in the pop-up dialog box, click OK for about two working days, and then log in again. Click Investment Management/Fund/Investment Plan/Investment Plan Query to confirm the success of the application and record the date of deduction. 9. Deposit the funds into the smart card before this date every month, and log in for the following operations: click Internal Transfer/Transfer from Securities Fund Financial Account/Transfer from Current Account to Margin Account to transfer all the deposited funds into the financial account. At present, there are three main channels for buying and selling open-end funds. The cheapest is floor trading: securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 540 open-end funds. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds. Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds. Three. Open a securities account and apply online at home without going to the bank. Some securities companies say that we have preferential policies for buying funds: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth Guangfa small-cap funds, can also buy index funds, that is, eight ETF funds, such as Yifangda Shen 100 ETF Huaxia SSE 50 and AIA Dividend ETF, have low cost advantages, and the handling fee for buying and selling funds in securities companies is 0.3%.