The so-called fund "fixed investment" means that investors invest a fixed amount (such as 10 yuan) in the designated open-end fund at a fixed time every month, which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"
The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.
It is always an opportunity to invest in stock funds to make a fixed investment, but only if you have the determination to persist can you see the effect.
The handling fee is generally 0.0% for subscription/kloc-0, 0.5% for subscription/kloc-0 and 0.5% for redemption. However, if you open online banking in the bank to buy some funds, there will be a 0.6-0.8% discount, and if you buy them on the fund website, there will be a 0.4-0.6% discount.