How to buy a fund in a bank
First, find out in which bank the fund you want to buy is sold, and then bring your ID card and bank card (if you don't apply) to the bank for processing; The minimum subscription (subscription) for general funds starts from RMB 65,438+0,000. Of course, it's different, depending on the provisions of specific funds.
The process of purchasing funds in the bank is as follows:
1. To open an account, you first open a securities card in the bank with your bank card and ID card. There are also banks called fund cards and wealth management cards, which are actually your own fund accounts in the bank. Some banks do not need to apply for another securities card, that is, they can directly open a fund account in the bank card as a sub-account, and can directly open a fund account at the counter.
2. Fund subscription/subscription Fund subscription refers to the purchase of funds in the issuance period, and the subscribed funds cannot be sold during the issuance period; Fund subscription refers to the purchase of funds whose issuance period has ended, and the subscribed funds can be sold at any time; After opening a fund account, investors can freely choose Dacheng Fund to subscribe or purchase.
3. Generally, the operation process at the bank counter is to fill in the subscription/subscription business form first, and the fund share can only be inquired after 2-3 working days after the bank accepts it. The net value of the funds purchased shall be subject to the net value after the close of the day. The subscription fee is generally about 1.5%, the subscription fee is generally about 2%, and the minimum subscription/subscription amount is generally about 1, 000-5,000 yuan. At present, many customers have purchased and redeemed funds through online banking. The general fund business is handled online, and the handling fee will be preferential, but we must pay attention to network security.
4. Fixed-term investment fund Fixed-term investment is a kind of fund similar to the bank's deposit and withdrawal business.
In the wealth management business, open-end funds are invested in a fixed amount every month, and banks deduct money from customers' accounts regularly every month, and invest in funds according to the investment amount and investment period applied by customers. The minimum amount of regular fixed investment is generally 100-500 yuan per month. The biggest advantages of regular investment are: buy in batches, invest regularly, and every little makes a mickle; It can also average the investment cost and avoid the opportunity risk. Let's give an example. Suppose we invest in 500 yuan every month, and the annual income is 12%. If we invest for 20 years, it will be ≈ 480,000, 25 years ≈ 890,000 and 26 years ≈10/10,000.