1, closed-end funds cannot make fixed investment. At present, closed-end funds can only be purchased through on-site transactions (securities market). Because the fund share of closed-end fund is fixed, this subscription is actually a transfer of fund share. Due to the relationship between supply and demand, the fund share fluctuates around the net value of the fund. At present, most closed-end funds enjoy certain discounts.

2. According to your assets and the current market trend, I suggest that you first use 20,000 yuan to open positions in batches before the end of June 5438+February to build a fund portfolio; Then use 1 0,000 yuan to make a fixed investment combination. Because the fund has the pressure of performance ranking at the end of the year, there will basically be a wave of market, and the net value may increase greatly. Coupled with the recent stock market crash, it is best to complete the fund portfolio opening in about 2 weeks. The fund portfolio allocation proposal for 20000 is positive, with 5000 index base +5000 mixed base+1000 radical debt base. 1 0,000 fixed investment combination suggestion: 200 finger bases +300 mixed bases +500 radical debt bases, select the fixed investment target in advance, and complete the fixed investment at one time or in batches. Risk warning: However, personally, I feel that your investment ratio is too high, and you almost put most of your property in the fund. Please think about it.

3. Fund sales include agency sales by banks and securities companies, and direct sales by fund companies themselves. Therefore, banks do consignment mainly for handling fees. Online trading on the fund company's website is the most convenient and the rate is relatively lowest.

4. According to the investment level of China's fund industry, under the premise of non-bear market, the annual income of stock funds such as index funds and hybrid funds will definitely exceed 30%, and the debt base can even reach more than 10%. In fact, the annual income of many cattle bases can be doubled. However, if the market goes down, the fund industry as a whole will lose money. Therefore, if your fund portfolio can achieve more than 20% annual income, it is the level of Warren Buffett. His old man's compound interest is about 20% every year.

5. At present, smaller commercial banks, such as Xingye, CITIC, Minsheng, Pudong Development Bank, etc., have relatively low handling fees. Fund companies recommend Xingye, Chinese businessmen, Huaxia and Guo Fu. And their funds are excellent as a whole. Absolutely responsible recommendation, not the bigger the better.