Many people want to invest in financial management, but they have never put it into action. For example, a fixed investment fund is a relatively simple investment method. It is important to start. As long as you start, you can usually persist for a long time. However, many people lack mobility and don't know how to buy a fixed investment fund. If you postpone your plan and start making money early, you can tell everyone that you can start buying fixed investment funds in just three steps.

Step 1: Select the investment direction of the fund.

The first thing to consider is where to invest regularly. At present, banks, securities companies and other consignment agencies have carried out this business. As long as investors select the fund they want to invest in, they can go to the website of the fund company to which the fund belongs to inquire about the banks or securities companies that can handle regular quota business, and then bring ID cards and other relevant documents to the designated sales organization to submit regular quota investment applications. Maybe the bank where your salary card is located has just opened the regular quota business of the fund you choose, so you can choose this bank as the channel for regular quota investment. There is a simpler way, that is, choose a third-party fund website, where you can choose funds from different fund companies to make fixed investments and collect all your favorite funds, such as Tian Tian Fund Network, which is a very good fund sales platform.

Step 2: Decide how much to invest in the fund.

After choosing the channel of fixed investment fund, the next step is to decide how much to spend on fixed investment every month. Generally speaking, the threshold for handling fixed investment fund business is very low, and the minimum subscription amount of each institution ranges from 100 to 500 yuan. If you can balance 500 to 600 yuan a month, it is not a problem to use it in the fixed investment of the fund, which is much better than depositing it in the bank. Fund investment is a long-term investment, so it is more appropriate to use the spare money every month for regular fixed investment funds.

The third step: the cost of the fixed investment fund needs to be clear.

The cost of fixed investment is the same as that of single fund investment, including subscription fee, management fee, custody fee and redemption fee. The subscription rate of most domestic non-monetary funds is about 1.5%, and the redemption fee is about 0.5%. If the 500 yuan subscription fund is deducted regularly every month, if the net value of the fund on the day of deduction is 1.060 yuan/share and the subscription rate is 1.5%, the subscription fee is 500-500/(1+1.5%) = 7.39 yuan. Funds purchased in the current month after deducting the handling fee. () Just take three steps, decide where to buy, how much to buy, define the cost and fix the fixed investment fund without delay, and your investment and financial management journey will begin.