Buy 1.5% at the bank counter, 60-20% at online banking, and a minimum of 40% at the fund company 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 are back-end fees, not all funds have back-end fees.
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.
But 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.