The difference between fixed investment and ordinary subscription is 1. The investment of fixed investment funds is much lower than that of ordinary funds, and the minimum investment limit of some funds can even reach 100 yuan, and the monthly subscription amount is fixed. 2. Ordinary subscription faces the risk of buying high and selling low, and the investment cost of fixed investment of the fund is more average than that of ordinary subscription. Novices can buy and sell stocks, funds or fixed investment funds by bringing their ID cards to securities companies or banks to open accounts. The minimum purchase price of the funds traded on the floor is 100 shares, such as 163503, which is currently closed in 0.5 yuan. If you buy 100 shares, you can buy around 60 yuan. Different banks have different standards for fixed investment in different places, and the minimum purchase price is 100-300 yuan.

Securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 590 kinds of open-end funds.

One. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.

Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds.

Three. Open a securities account and apply online at home without going to the bank. Buying a fund in a securities company: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth small-cap funds, can also buy index funds, that is, eight ETF funds, such as E Fund 100 ETF Huaxia SSE 50 and AIA Dividend ETF. The advantage is that the cost is low, and the handling fee for buying and selling funds in securities companies is 0.3%, and stamp duty is not charged.

Index funds belong to high-risk and high-return investment varieties, which are suitable for investors with high risk tolerance, while hybrid funds are suitable for investors with low risk and income. At present, the market fluctuates greatly, and the trend of hybrid funds will be better than that of index funds. Morgan Stanley leads, Harvest theme and Chinese businessmen are all good investment varieties. At present, it can be expected that the investment can get about 65,438+00% market income every year.