The choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference and fund charging standard. Online ranking of fund performance. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment. I'm afraid I won't make a specific recommendation. Only the feet know whether the shoes are good or not.

The minimum starting capital of the fund is 65,438+0,000 yuan. Plan to start in 200 yuan, and Harvest 300 seems to start in 300 yuan.

Redemption means selling the fund. Except for the newly issued funds in the closed period, the funds you have bought can be redeemed at any time, and the money will arrive three days after the redemption is successful. There is a charge for fund redemption, which is generally the redemption fee, but if you choose back-end payment when you purchase, you must pay the back-end subscription fee and deduct it directly from your fund value. According to the holding time of stock funds, the redemption fee is gradually reduced to zero. If it is held for more than one year but less than two years, the redemption fee will be reduced from 0.5% to 0.25%, and if it is held for more than two years, the redemption fee will be zero.

The handling fee is generally 0.0% for subscription/kloc-0, 0.5% for subscription/kloc-0 and 0.5% for redemption. However, if you open online banking in the bank to buy some funds, there will be a 0.6-0.8% discount, and if you buy them on the fund website, there will be a 0.4-0.6% discount.

Front-end charge means that when you subscribe and buy funds, you have to pay a handling fee; Back-end charge means that there is no need to pay the handling fee when subscribing and purchasing the fund, but the handling fee is paid when redeeming, and the handling fee decreases year by year with the increase of the number of years of holding the fund; For details of front-end and back-end fees, please consult the relevant announcement information of the fund management company.