Fixed investment funds are suitable for long-term investment, and it is best to choose funds with back-end fees. Generally, funds with back-end fees are mostly required to be held for more than five years, and there are also three years, but very few. Fixed investment funds can make one or two fixed investments according to their own financial situation. In addition, fixed investment funds are suitable for stock funds and index funds, because of large fluctuations, which can effectively dilute costs. Other types of funds do not prohibit fixed investment, mainly because their trend is not as volatile as the above two types of funds, and only when the fluctuation is large can the cost be diluted.

The key of investment fund is to insist on long-term investment. Don't stop investing just because it is losing money, and don't want to redeem it just because it is making money. It is best to persist for more than five years (if you can continue to persist in these years).

Fixed investment fund small savings office:

There are two ways to charge the fund: first, the front-end charge, which is the default, that is, the handling fee will be paid in proportion when buying every month, which increases the cost of fixed investment. If you buy at the bank counter, the handling fee is 1.5%. If you buy in online banking, the handling fee is 60-20%. If you buy on the fund company's website, the minimum handling fee is 40%. There is a redemption fee ranging from 0.25% to 0.5% at the time of redemption. There is also a back-end charge, that is, there is no handling fee when you buy it every month, but you can redeem it when it reaches the time specified by the fund company (ranging from 3 years to 10 years), and there is no handling fee, which can save a lot of handling fees in the long run.

Therefore, it is best to choose a fund with back-end charges for fixed investment funds. Not all funds have a back end.

Second, change the cash dividend into dividend reinvestment, so that if the fund company pays dividends, all cash will be automatically repurchased, and there is no handling fee for this part of the fund.

Third, if you have no money to make a fixed investment this month, or the market is rising very high, the fund price is also high, or you are short of funds this month, you can also stop investing for one or two months, which will not affect your future fixed investment, but don't stop investing for three months in a row. If the investment is stopped for three consecutive months, the fixed investment will automatically stop.

Fourth, when the stock market is in a bull market, funds also rise a lot. At this time, the investment can be appropriately reduced. If the stock market is in a bear market, you can appropriately increase investment and increase the fund share.