There are several ways to buy a fund: first, buy it at the bank counter, as long as you have a bank card, the handling fee is1.5%; Second, online shopping costs 60%-20%; Third, buying on the fund company's website, the handling fee is even lower than that of online banking, and some are 40% off, but online banking should be opened.
One-time purchase of funds, minimum 1 1,000 yuan, minimum monthly investment of funds in 200 yuan, but some funds require minimum in 500 yuan, 300 yuan.
There is also a redemption fee when redeeming. If the holding time is less than one year, a handling fee of 0.5% will be charged; If it is more than one year but less than two years, a handling fee of 0.25% will be charged; If it is more than two years, there will be no redemption fee.
Of course, there are two ways to charge the fund. One is the front-end charge, which is generally the default, that is, it is charged according to the above ratio when buying, and the other is the back-end charge (not all funds have back-end charges), that is, there is no handling fee when buying, but there is no handling fee when redeeming after holding it for the time specified by the fund company (ranging from 3- 10 years).
Fixed investment funds are suitable for choosing funds with back-end charges. Stock type and index type are more suitable for fixed investment. Due to large fluctuations, the cost can be effectively leveled.