At present, Industrial and Commercial Bank of China, Bank of Communications, Bank of China, China Construction Bank, Postal Bank, Agricultural Bank, and Minsheng Bank have started the fixed investment business of funds. It is worth mentioning that the entry threshold for the fund's fixed investment is low, such as the fixed investment business of ICBC, and the minimum monthly 200 yuan investment can be used for the fund's fixed investment; The minimum subscription amount for the fixed investment business of China Agricultural Bank is only 100 yuan per month. Investors can conduct all transactions such as fund subscription and redemption online, realize the binding of fund account and bank fund account, and set subscription date, amount, term and fund code. Used for regular fixed investment of the fund. At the same time, online banking also has many functions, such as fund account inquiry, fund account balance inquiry, net value inquiry, and changing dividend distribution method, so investors can easily complete their investment.

You can buy funds with your ID card and bank card. There are several ways to buy a fund: First, the handling fee is 1.5% at the bank counter, 60-20% at the online bank and 40% at the fund company's website. There is also a redemption fee of 0-0.5% when redeeming. These are all front-end charges, which are also the default. There is also a back-end charge. Not all funds have back-end fees. Back-end charge means that there is no handling fee for buying a fund, but it can only be redeemed after it has been held for a period of time specified by the fund company (ranging from 3- 10 years), and there is no handling fee. Fixed investment funds are suitable for choosing funds with back-end charges.

A fixed investment fund is like a zero deposit and lump-sum withdrawal in a bank. You need to buy it every month, with a minimum of 200 yuan and a maximum of 50,000 yuan. Fixed investment funds also have risks, but the longer they are held, the lower the risk will be.

It is best to choose a fund with back-end charges for fixed investment, so that there is no handling fee when buying it every month, but it will be redeemed after holding it for the time specified by the fund company (ranging from 3- 10 years), and there is no handling fee, which can save a lot of handling fees in the long run. Fixed investment funds are suitable for stock funds and index funds, because of large fluctuations, which can effectively dilute costs.

However, we must insist on long-term holding. If there is no money to make a fixed investment in a certain month, you can stop investing for one or two months without affecting the fixed investment. However, if the investment is stopped for three consecutive months, the fixed investment will automatically stop. In addition, it is best to change the cash dividend into dividend reinvestment. In this way, if the fund company pays dividends and the fund company buys the fund again, this part of the fund has no handling fee, which saves expenses and can also generate compound interest income.

It is best to choose stock funds and index funds for fixed investment funds, because they fluctuate greatly and can effectively dilute costs. Bond funds and money funds are not suitable for fixed investment.