We can choose the low-risk fund in the fixed investment plan. Low-risk funds usually have low management fees and handling fees because of their conservative investment strategies. Although the return may be relatively low, it is a feasible choice for some investors with low risk tolerance.
We can choose index funds in the fixed investment plan. Index funds are characterized by tracking specific stock indexes, rather than being actively operated by fund managers. Because index funds do not need to adjust their portfolios frequently, management fees and handling fees are often relatively low. The performance of index funds is usually stable, and relatively stable returns can be obtained in the long run.
In addition to choosing the right fund, we can also consider some additional strategies to reduce the fee cost. You can choose a longer fixed investment cycle. A longer fixed investment cycle can reduce the number of fixed investments, thus reducing the number of commission payments. We can choose a larger fixed investment amount. A large amount of fixed investment can share the handling fee, which makes the handling fee cost relatively low.
You can also find a fixed investment platform for ICBC funds with lower handling fees through comparison. Different platforms may have different cost structures, so we can choose a platform with relatively low cost for fixed investment. When choosing a platform, besides the handling fee, the security and credibility of the platform should also be considered to ensure the safety of investment.
Other institutions cooperating with ICBC Fund may also be considered. Some securities companies and fund companies also provide fixed investment services for ICBC funds, and the handling fee may be relatively low. Understand the cost structure and service quality of different institutions, and you can choose the right institution to make a fixed investment.
In short, although the handling fee in the fixed investment of ICBC funds is worthy of attention, we can reduce the handling fee cost by choosing the fund that suits us, adopting the strategy of reducing the handling fee and choosing the appropriate fixed investment platform. When making a fixed investment in ICBC funds, we should give consideration to both costs and risks, choose a fund with stable income and make long-term investment plans for ourselves. Only in persistent investment can we get better long-term returns.