Because Fuguo Tiancheng has two charging methods, namely front-end charging and back-end charging, the two codes you query are Fuguo Tiancheng Dividend Mixed Fund, of which 100029 is for front-end charging and 100030 is for back-end charging.

Front-end charges mean that you are charged a handling fee when you buy it. The front-end handling fee for this fund is 1.5% for less than 1 million, and 1.2% for 1 million to 5 million. The redemption fee is 0.6% for holding for less than two years.

0.3% from 2 to 3 years, and no redemption fee if held for more than 3 years.

The back-end fee means that there is no handling fee when you buy it, but a higher handling fee is charged when you redeem it. The back-end handling fee for this fund is 1.8% for holding it for less than one year, and 1.8% for holding it for 1 year to 3 years.

A handling fee of 1.2% is charged annually, a handling fee of 0.6% is charged for holding for 3 to 5 years, and a handling fee is waived for holding for more than 5 years.

It depends on how many years you want to hold it.

My suggestion is that if the direct purchase rate is at a high discount, such as here, which is 40% off, then just go directly to the front end. The 40% discount only costs 0.6% in handling fees, which is very cheap.

Moreover, the fund is suitable for operation within one year, but it is not suitable for long-term holding for five years.