Whether you make money after three years depends on the stock market. If the stock market can continue to do well, there will be no problem in making profits through fixed investment in three years. If the stock market continues to be bad, the fund will also lose money.
In addition, fixed investment funds are suitable for long-term investment. The longer the time, the risk will decrease.
Fixed investment is suitable for long-term investment, and it is best to choose funds with back-end fees.
There are many funds with back-end fees, such as: Dacheng 300, Southern 500, Rongtong 100, Xingye Trend, Desheng Advantage, GF Jufeng, etc.
Fixed investment funds can also be redeemed at any time.
There are two charging methods for funds: one is front-end charging, which is the default one. It means that you have to pay a proportional handling fee when you buy every month, which increases the cost of fixed investment.
If you buy it over the counter at a bank, the handling fee is 1.5%. If you buy it through online banking, the handling fee is 30% to 20% off. If you buy it on the fund company's website, the handling fee is as low as 40% off.
There is also a redemption fee ranging from 0.25-0.5% when redeeming.
There is also a back-end charge, that is, there is no handling fee when buying every month, but the holding time must reach the time specified by the fund company (ranging from 3 to 10 years) before redemption, and there is no handling fee. Long-term
You can save a lot of handling fees.
Therefore, it is best for fixed investment funds to choose funds with back-end fees.
Not all funds have a back-end.
The second is to change cash dividends to dividend reinvestment. In this way, if the fund company distributes dividends, the cash will automatically repurchase the fund, and there will be no handling fee for the purchased fund.
Third, if you have no money to invest this month or the market has risen very high and the fund price is also very high, you can also stop investing for one to two months, which will not affect your future fixed investment, but do not stop investing for three consecutive months.
If investment is suspended for three consecutive months, fixed investment will automatically stop.
Fourth, when the stock market is in a bull market, the fund also rises a lot. At this time, the investment can be appropriately reduced. If the stock market is in a bear market, the investment can be appropriately increased to increase the fund share.