1, judging from the cost of the fund.
Fund expenses mainly include subscription fee, redemption fee, management fee, custody fee and sales service fee, of which subscription fee is charged according to the net subscription standard. When the subscription amount is large, the subscription fee can be free or fixed, such as 1 1,000 yuan. The redemption fee is charged according to the holding days, and the fee is 0 when the holding days are long. Management fees, custody fees and sales fees are charged according to fixed standards. Some funds do not charge subscription fees, but charge sales service fees, such as class C funds; However, some funds charge subscription fees and do not charge sales service fees. For example, Class A funds are more suitable for fixed investment than Class A funds that charge subscription fees and Class C funds that charge sales service fees.
2. The volatility of the fund's net value.
Compared with money funds and bond funds, the net value of equity funds is more volatile, fluctuating with the trend of the stocks invested. Investors can reduce the cost of holding positions and improve the expected returns by making fixed investment and buying continuously.
In addition, investors need to consider the operating ability of the fund manager, the historical performance of the fund and the future of the fund when choosing a fixed investment.
Investment is risky, so be cautious when entering the market.