There are two ways. First, go directly to the counter of the Agricultural Bank of China, bring your ID card and debit card and sign an investment agreement to buy the fund. It is not recommended to buy it because the bank sells it on a commission basis, and the rate is high. The second is to open online banking on debit cards and buy directly from the home page of the fund company you want to buy. Best rate, convenient operation, recommended. I'm like this myself.

Question 2:

Subscription is to use funds to buy fund shares. After signing the fixed investment agreement, the subscription will be automatically deducted every month, generally regardless; If it is redemption, there are two situations that can be redeemed. One is that the market is already at a high level and may soon enter a downward channel. Redemption of fund shares at this time can avoid asset depreciation, but the market trend is difficult to judge; Second, considering your own liquidity, you may have to travel abroad or need a sum of cash in the short term, so you can also redeem the fund. To tell the truth, I haven't done it myself. If the fund I bought in the bank decides to invest, I should go directly to the bank to redeem it. There will definitely be redemption options in the purchase of the fund company's homepage.

It should be noted that some funds charge redemption fees, and different funds have different redemption rates. In general, the longer the fund shares are held, the lower the redemption rate until the redemption fee is zero. Redemption rate is also one of the considerations in purchasing funds.

Question 3:

You can use the ABC debit card to purchase the fund's fixed investment, as long as there is enough money in the card.

Question 4:

If you go to the counter, you only need to bring your ID card and debit card. As long as you have enough money, you can buy several funds, but generally at most 2-3 funds are enough. If there are too many, there may be repeated purchases between funds, which is unnecessary.

Question 5:

What kind of fund to buy or how to allocate it depends on your personal risk preference. If you are more radical, you should allocate more funds from equity funds and less funds from mixed stable funds or index funds. If the funds are fixed, bond funds are not recommended because the yield of medium and long-term investment bonds is low.

I bought a mixture of Chinese growth, and the risk was medium to high. If it is a stock fund, the advantages of China and the prosperity of Chinese businessmen are good, but you have to make your own decisions. After all, the money you earn is yours. If you lose money, you should invest it carefully.

I hope my answer is helpful to you. I am now the account manager of the Shanghai sales department of a securities company. I have something to do with Baidu Hi.

Financial management changes your life, and I wish you a happy working life!