secret 1: open-end funds can also buy open-end funds, which are increasingly favored by investors, but its high handling fee makes many people feel distressed. Once and for all, it will cost 2%. If you buy 1, yuan, 2 yuan will have to be handed over to the fund company. There are also special fund group buying websites in China. For example, the subscription rate of most funds is unified as a great discount compared with the fund subscription rate standard in the market.
Tip 2: It is more affordable to buy funds online. All major fund companies have basically opened online trading business. Citizens can buy funds through online trading of fund companies after handling online banking, and they can enjoy a minimum discount of 4%. According to Yan Ping, a financial planner of Nanjing Branch of Industrial Bank, in the past, subscription or subscription of funds could only be handled at securities companies or bank outlets. Now many banks have purchased funds by electronic means, and many banks have reduced the pressure on counters in order to promote online banking, and have given certain preferential policies to online fund transactions. For example, online banking, telephone banking and mobile banking of Nanjing Branch of Industrial Bank can enjoy a 4% discount on most funds, that is, as long as the handling fee is paid. This rate is also the lowest in other banks in Nanjing.
secret 3: choose the back-end payment. I understand that the redemption fee of the fund decreases with the holding period, and the subscription/subscription fee can be paid in two ways: the front-end charging mode when purchasing and the back-end charging mode when selling, and the rate of the back-end charging mode also decreases according to the holding period. The back-end charge is designed to encourage investors to hold funds for a long time. For example, some funds under GF Securities can adopt the back-end charge model, and the redemption rate within one year is zero if it is more than five years within two years. Therefore, it is very practical for long-term holders to choose the back-end charging mode.
secret 4: skillfully use fund conversion. if investors choose to redeem the fund every time the market is bad, they will undoubtedly pay a lot of investment costs when the market is good. In fact, there is absolutely no need to do this. Now many fund companies provide investors with the business of fund conversion, that is, switching between different funds under the same fund company. The usual practice is to switch between high-risk stock funds and low-risk bond funds and money market funds. The fund conversion business of some fund companies also provides preferential rates for investors.