If you want to make a long-term fixed investment, you'd better choose a fund with back-end fees, so that there is no handling fee when you buy it every month, but you can redeem it after holding it for the time specified by the fund company (ranging from 3 years to 10 years), and there is no handling fee, which can save a lot of handling fees in the long run.

Fixed investment funds are suitable for stock funds and index funds, because they fluctuate greatly and can effectively dilute costs.

However, we must insist on long-term holding. If there is no money to make a fixed investment in a certain month, you can stop investing for one or two months without affecting the fixed investment. However, if the investment is stopped for three consecutive months, the fixed investment will automatically stop. In addition, it is best to change the cash dividend into dividend reinvestment. In this way, if the fund company pays dividends and the fund company buys the fund again, this part of the fund has no handling fee, which saves expenses and can also generate compound interest income.

The industrial trend has a back end. You have already made a fixed investment, and you can choose an index with a back end.

South 500, Dacheng 300, Bank of Communications Steady, Desheng Advantage, Guangfa Jufeng, etc. all have back ends.

Harvest 300 has no back end.