China Construction Bank's fixed fund investment is the abbreviation of "subscription of fixed-term funds", which refers to a long-term investment method in which investors agree on the time and amount of monthly deduction, and the sales organization (CCB) automatically completes the deduction and fund subscription application from the fund account designated by investors on the agreed day of each month. It has the advantages of simple procedures, average cost, risk dispersion and compound interest effect.

Types of CCB funds

According to different investment objects, funds can be divided into stock funds, bond funds, hybrid funds and money market funds. On the premise that the risk is directly proportional to the expected annualized expected return, the product risk arrangement is as follows: stock fund >; Hybrid fund > bond fund > money market fund.

Fixed investment expenses of CCB Fund

Like other open-end funds, investors need to pay the subscription fee when they make a fixed investment in the fund and the redemption fee when they redeem it. In order to encourage investors to invest for a long time, banks sometimes offer preferential interest rates to fixed investment customers.

Fund type: dividend and reinvestment: reinvesting the expected annualized expected income in the fund, converting it into a corresponding number of fund shares, and expanding the investment scale can play a long-term compound interest effect.

Types of funds Fund conversion: During the duration of the fund, investors can convert all or part of their fund shares into other open-end fund shares managed by the fund manager. Most funds have opened conversion business.

How to purchase the fixed investment of Jianxin Fund;

Direct purchase: If you have a CCB card, you can buy the funds that CCB sells on a commission basis.

Online purchase: At the same time, CCB's card also supports the payment methods of many fund companies, and you can also purchase funds directly from fund companies. The first time you buy a fund from a fund company, you need to open an account first, and each fund company needs to open an account once. All funds under the same company share the existing account. You can buy online after opening an account, but you must go to the counter for the first time.