Funds with back-end fees are suitable for long-term investment, mainly depending on personal needs. Generally, the redemption fee is 0 after 3 years. At present, many banks have preferential front-end charges, generally with a minimum of 0.6%. At present, there are seven index funds in the back-end charging mode, namely Rongtong Shenzhen Stock Exchange 100 Index, Rongtong Chaochao 100 Index (LOF), Southern Shanghai and Shenzhen 300 Index, Dacheng Shanghai and Shenzhen 300 Index, Great Wall Jiutai 300 Index, Huaan China A-share Enhanced Index Fund, Guo Futianding and Guangfa Jufeng. Dacheng CSI 300 Index Fund is the cheapest fund with back-end charging mode, and others have to hold it for 4 to 5 years before the rate is free. There are too few options for back-end funds. Guo Futianyi is a hybrid fund that charges back-end fees.