Let's look at the bank. In fact, no matter which bank's funds have the same code, they can be compared with that bank. I suggest you go to Industrial Bank. Most of their funds have preferential subscription policies, and most of the subscription fees are 40% off. Some brokers will also have discounts, but there are not many funds that may be represented. Of course, it is also possible to subscribe/buy directly from the fund company. Generally, there will be a 40% discount for direct selling, but the disadvantage is that you can only buy the products of its fund company. If the funds you buy are not in the same company, you must open accounts in multiple fund companies.
Equity funds have high risks and high returns, followed by hybrid funds, bond funds and monetary funds. You can choose several types of funds according to your own situation. Most of the money you don't use for a few years will be held in stock funds for a long time, and a small part will be held in bond funds for a long time. 1 or 2 months will be used to buy monetary funds (equivalent to using a current account to get regular income without paying taxes).
Recommend stock funds: (some may not subscribe at present, but they can subscribe after a while, depending on the announcement of their fund companies)
Huaxia large-cap selection (0000 1 1), upper investment advantage (3750 10), Guangfa small-cap growth (162703), Great Wall Jiutai (200002) (I will definitely vote for this back-end 20/kloc-0. If you want to hold it for a long time, I suggest you buy a back-end fund, so that you can avoid the subscription and redemption costs in a few years. I suggest buying a fund instead of selling it at a high price and buying it at a low price like a stock. Long-term holding costs more than short-term holding. Since I bought my first fund (except the money fund), I haven't redeemed it once.
Recommended bond funds: Changsheng Bond Back-end (5 1 1080) and Yinhe UnionPay Income Front (151002); After the earnings of Galaxy UnionPay (15 1 102), Harvest Bond (07000)
Monetary Fund: South Cash Increase (20230 1) has no subscription and redemption fee.
It is recommended to invest 1000 yuan of stock-based back-end funds every month and hold them for a long time.
The front-end charge is that you pay the subscription fee when you buy the fund.
The back-end charge means that you don't have to pay the subscription fee when you buy the fund, and you will pay it when you redeem it. The holding time is inversely proportional to the discount rate. The longer the holding time, the greater the preferential margin, and finally it is 0. (that is, the subscription fee is exempted)