First, front-end subscription fees can be reduced through different trading channels. For example, banks may be expensive and subscription fees are not discounted. Some banks may give a 60% discount, and some fund companies can do zero direct sales online.

Second, the redemption fee and the back-end subscription fee are always reduced with the increase of holding time, so it takes a long time to reduce this fee.

It is suggested to buy funds, choose trading channels and reduce handling fees.