The fixed investment of the fund is suitable for long-term investment. Because the regular quota comes into the market in batches, when the stock market is consolidating or falling, because the regular quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.
1. How to apply for the fixed investment of the fund?
Fixed investment is one of the bank's wealth management businesses. Users need to bring their ID cards and bank cards to the bank to open a fund account when applying for fixed investment. A fixed investment fund is like a bank, which buys it every month. It is best to invest for a long time, because the short-term benefits are not obvious. The threshold of fixed investment funds is the minimum monthly 200 yuan, but some funds require a minimum of 300, 500 yuan, depending on the fund type.
2. How to redeem the fund's fixed investment?
The fixed investment of the fund can be redeemed at any time. Redemption before three o'clock in the afternoon on working days shall be calculated according to the net value of the day; Redemption after three o'clock is calculated according to the net value of the next day. The profit of fixed investment is calculated according to compound interest. The longer the time, the higher the expected annualized expected return. Expected annualized expected rate of return and time are geometric relations, not simple arithmetic average.
3. How to terminate the fixed investment plan of the fund?
After the fund is fully redeemed, it does not mean that the fixed investment plan of the fund is terminated. Therefore, as long as there is enough money in Ji Min's bank card to meet the conditions of deduction, the bank will still deduct money regularly to buy funds. If you want to stop the fund's fixed investment plan, investors need to go to the sales outlets to fill out the Application for Termination of Regular Quota Subscription and go through the formalities for termination of fixed investment.
There is another way, if the investor fails to meet the deduction requirements for three consecutive months, the account will automatically terminate the fixed investment.
4. Taking ICBC as an example, explain in detail how to handle the fixed investment of funds:
Prerequisites: RMB settlement account of China Industrial and Commercial Bank of China (deduction account of fund fixed investment subscription business), fund trading card, fund trading account of China Industrial and Commercial Bank of China and TA fund account of fund management company (the account status is normal) must be opened first.
The customer submits the fund transaction card, fills in the Application Form for Fixed Investment of the Fund in duplicate, and carefully reads the instructions on the back of the second application form.
It means that investors agree to buy open-end funds at the same time interval and the same amount by the agency in accordance with the agreement between the fund management company and the agency.
Investors can apply for multiple times to participate in the fixed investment of the same fund, or they can participate in the fixed investment of multiple funds.
On the day of application, investors cannot apply to withdraw from the fixed investment subscription business of the Fund.
After the transaction confirmation (T+2) is successful, investors can print the fund business confirmation notice at the fund business acceptance branch of the bank.
When you open a fund account on the same day, you can immediately start regular trading.
After the customer applies for the fixed investment plan, he cannot apply for account cancellation in the TA fund account.