After the fund is profitable, it will pay dividends. There are two ways to pay dividends, one is cash dividend, and the other is dividend reinvestment. The default dividend method is cash dividend.

If you invest in the fund for a long time, it is better to reinvest in dividends, because if the fund company pays dividends and gets cash, the fund company will buy the fund again. This part of the fund has no handling fee and can generate compound interest income.

There is a preferential fee for online banking to buy funds, which is lower than that for bank counters. Buying a fund on the fund company's website has a lower handling fee, generally 40% off.

However, if you are a fixed investment fund and plan to invest for a long time, you'd better choose a fund with back-end fees, so that there is no handling fee when you buy it every month, but you can save a lot of handling fees by holding it for the time specified by the fund company (ranging from 3- 10 years).