There is also a back-end charge, that is, there is no handling fee when buying, but it must be held for the time specified by the fund company (ranging from 3- 10 years) and then redeemed without handling fee. Fixed investment funds need long-term investment, and the short-term investment benefit is not very good, but it is not absolute. Generally, it is better to invest for more than three years.
Fixed investment funds are suitable for stock funds and index funds, because of large fluctuations, which can effectively dilute costs.
For example, Dacheng 300 (index fund) has back-end fees. There are also stable Bank of Communications, Guangfa Jufeng (and most funds of Guangfa Company have back-ends), and the trend of industrial development also has back-ends, and so on.
The Harvest 300 you bought is an index fund, but there is no back-end charge, and you have to pay a handling fee every month when you buy it. There is a redemption fee at the time of redemption, and the holding time is within one year, and the redemption fee is 0. 5%, the holding time is more than one year but less than two years, and the redemption fee is 0. 25%, held for more than two years, no redemption fee. Redemption funds can't arrive immediately, and it will take about five days.
In order to calculate the account.