You make fixed fund investment through ICBC online banking, which is set to 3 years, 5 years and 8 years. If you only want to invest for six months, you can choose one first, as long as it is cancelled at that time (some people are thicker, don't invest directly, and cancel automatically after three months), it won't affect.
The front-end and back-end are set by the fund company. Many funds do not have a back-end charging model. The fund you invest in must first have this charging method, and then you can choose. At present, the back-end charges of Huaxia Return have been suspended for many years, and Harvest CSI 300LOF has no back-end charges at all.
Didn't you finally decide to invest for six months? Why choose the 6-month back-end charging method? (It is estimated that it was misled by many people who blindly recommended back-end charges regardless of the actual situation. ) The back-end charge rate within one year is generally 1.8% (no discount), while the front-end charge is only 1.5% (depending on the channel, the minimum discount can be 40%, of course, a big bank like ICBC is not that high).