Fixed investment fund is suitable for long-term investment, and short-term investment income is not obvious. In addition, fixed investment funds are suitable for stock funds and index funds, both of which are high-risk funds. Because the fixed investment fund buys funds with different prices every month, it can spread the cost in the long run. If you choose a fund with low risk, no matter whether the stock market is good or not, it will not go up or down a lot, and the price you buy every month is similar, so you can't achieve the effect of spreading low costs. If you have invested in a fund for more than three years, choose a fund with back-end fees, so that there is no handling fee for monthly purchases, which can save handling fees in the long run. If it is less than three years, you don't have to choose a fund with back-end fees. Not all funds have back-end fees.
There are two ways to charge the fund: first, the front-end charge, which is the default, that is, the handling fee will be paid in proportion when buying every month, which increases the cost of fixed investment. If you buy at the bank counter, the handling fee is 1.5%. If you buy in online banking, the handling fee is 60-20%. If you buy on the fund company's website, the minimum handling fee is 40%. There is a redemption fee ranging from 0.25% to 0.5% at the time of redemption. There is also a back-end charge, that is, there is no handling fee when you buy it every month, but you can redeem it when it reaches the time specified by the fund company (ranging from 3 years to 10 years), and there is no handling fee, which can save a lot of handling fees in the long run.
Therefore, it is best to choose a fund with back-end charges for fixed investment funds. Not all funds have a back end.
Second, change the cash dividend into dividend reinvestment, so that if the fund company pays dividends, all cash will be automatically repurchased, and there is no handling fee for this part of the fund.
Third, if you have no money to make a fixed investment this month, or if the market rises very high and the fund price is very high, you can also stop investing for one or two months, which will not affect your future fixed investment, but don't stop investing for three months in a row. If the investment is stopped for three consecutive months, the fixed investment will automatically stop.
Fourth, when the stock market is in a bull market, funds also rise a lot. At this time, the investment can be appropriately reduced. If the stock market is in a bear market, you can appropriately increase investment and increase the fund share.
Many funds have back-end fees, which are explained in the column of fund subscription fees.
Such as: South 500, Rongtong 100, Xingye 300, Dacheng 300, Desheng Advantage, etc. Of course, there are many more. You can also consult.