1. It is recommended to go directly to the fund company to make an investment online. You can enjoy a 40% discount on the subscription rate for a long time, which makes buying and selling convenient and saves you the need to go to a bank.

Specific operations: 1. Open online banking (ICBC or Agricultural Bank of China is preferred); 2. Log in to the fund company website, take E Fund as an example, enter E Fund online transaction, select account opening, select Bank 3 bank card, and then fill in the ID card and Bank 2 bank card number.

, personal information, etc.; 3. Log in to the fund account to subscribe.

2. Choose back-end fees carefully. Back-end is based on long-term investment (at least 5 years or more). If you can persist, of course it will be better to choose back-end.

But if you stop temporarily, for example, if you hold it for one or two years and then want to redeem it, the back-end charges will be higher than the front-end charges.

It’s up to you to decide how to choose.

3. It is difficult for index and stock funds to resist the decline when the market falls sharply.

If you are a steady investor, it is recommended to match a certain proportion of bond funds (preferably from the same fund company for easier management).

4. Fund managers have changed frequently in recent years, which has a greater impact on the performance of stock funds, while index funds have less impact since they are passive investments.

Novices can consider ChinaAMC CSI 300, ICBC CSI 300, Cathay CSI 300, and E Fund CSI 300 (these rates are relatively low).

Fund fixed investment is a long-term investment method of financial management. It is recommended to spend some time to learn some basic knowledge of funds.