The stock market has fallen a lot, and funds have also fallen a lot. The fund price is also very low now, and it is also time to buy funds. Fixed investment funds deduct money to buy every month because the price they buy every month is different, so they can effectively spread the cost. After falling for so long, there will be a rebound. China's economy as a whole is good. So, I'm not worried.

there are two ways to charge funds: 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 it at the bank counter, the handling fee is 1.5%. If you buy it online, the handling fee is 6-2%. If you buy it on the fund company's website, the minimum handling fee is 4%. There is a redemption fee ranging from .25% to .5% at the time of redemption. There is also a back-end charge, that is, there is no handling fee when buying every month, but it will be redeemed after the holding time reaches the time stipulated by the fund company (ranging from 3 to 1 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 the cash will automatically buy the fund again, and there is no handling fee for this part of the fund.

thirdly, if you don't have the money to make a fixed investment this month, or if the market rises very high and the fund price is very high, you can also stop investing for one or two months, which will not affect the future fixed investment, but don't stop investing for three months in a row. If you stop investing for three months in a row, the fixed investment will automatically stop.

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

with the above points mastered, the fixed investment fund still has good returns.