Long-term fixed investment, choose a fund with back-end expenses. Fixed investment funds are suitable for stock funds and index funds, because they fluctuate greatly and can effectively dilute costs. For example, the South 500, Dacheng 300 and Desheng advantages all have a back end.
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. Equity funds have the highest risk-return ratio, which can be higher than the market or significantly lower than the market. Index funds can closely follow the market index and obtain the average return of the market, and the risk return is lower than that of ancient ticket funds.