First of all, open a securities card in the bank with your own bank card and ID card. Some banks are called fund cards and wealth management cards, which are actually their own fund accounts in the bank. Some banks don't need to apply for another securities card, such as the debit card with financial management function issued by Agricultural Bank of China, the first five digits of which are 62284, that is, the fund account can be opened directly in the bank card as a sub-account, and the fund account can be opened directly at the counter. Subscription/subscription fund refers to the purchase of funds in the issuance period, and the subscribed funds cannot be sold during the issuance period; Fund subscription refers to the purchase of funds whose issuance period has ended, and the subscribed funds can be sold at any time; After opening a fund account, investors can freely choose to subscribe or purchase the fund. Generally, the operation process at the bank counter is to fill in the subscription/subscription business form first, and the fund share can only be inquired 2-3 working days after the bank accepts it. The net value of the subscribed fund shall be subject to the net value after the closing of the day. The subscription fee is generally about 1.5%, the subscription fee is generally about 2%, and the minimum subscription/subscription amount is generally 1, 000-5,000 yuan. At present, many customers have purchased and redeemed funds through online banking. The general fund business is handled online, and the handling fee will be preferential, but we must pay attention to network security. Fixed investment fund Fixed investment fund is a kind of fund similar to the bank's zero deposit and lump-sum savings business. . In the wealth management business, open-end funds are invested in a fixed amount every month, and banks deduct money from customers' accounts regularly every month, and invest in funds according to the investment amount and investment period applied by customers. The minimum amount of regular fixed investment is generally 100-500 yuan per month. The biggest advantages of regular investment are: buy in batches, invest regularly, and every little makes a mickle; It can also average the investment cost and avoid the opportunity risk. Let's give an example. Suppose we invest in 500 yuan every month, and the annual income is 12%. If we invest for 20 years, it will be ≈ 480,000, 25 years ≈ 890,000 and 26 years ≈10/10,000.