Now it is convenient and fast for the fund to vote. At present, major banks and securities companies have opened the fixed investment business of funds. It is worth mentioning that the entry threshold for the fund's fixed investment is low, such as the fixed investment business of ICBC, and the minimum monthly 200 yuan investment can be used for the fund's fixed investment; The minimum subscription amount for the fixed investment business of China Agricultural Bank is only 100 yuan per month. Investors can conduct all transactions such as fund subscription and redemption online, realize the binding of fund account and bank fund account, and set subscription date, amount, term and fund code. Used for regular fixed investment of the fund. At the same time, online banking also has many functions, such as fund account inquiry, fund account balance inquiry, net value inquiry, and changing dividend distribution method, so investors can easily complete their investment. If you have opened a fund account, you only need to bring your valid certificate and fund card/bank card to the designated agent network to sign a regular deduction agreement during the daily fund trading hours to stipulate the monthly deduction time and amount. If a fund account has not been opened, you can apply for opening a fund account at the business outlets, and at the same time open regular quota business. If there is no bank account, you must first open a bank account and deduct the subscription funds regularly. Account opening and subscription can be handled at the same time at the agency's outlets.
There are two ways for the fund to make a fixed investment: signing a fixed investment agreement to make a fixed investment and manually operating a fixed investment, each with its own advantages and disadvantages:
Fixed investment agreement: you can deduct money from the sales organization by signing the agreement, which is convenient and easy to operate. The starting point of fixed investment is low, usually 65,438+000 yuan, 200 yuan, etc. The disadvantage is the lack of flexibility and fixed quota. At present, only a few sales organizations offer variable quotas and variable deadlines. There are three channels to sign the agreement: one is to go to the bank counter, the other is through online banking, and the third is to go directly to the fund company's homepage. The third way can often enjoy the biggest handling fee discount, and it is not complicated to handle. You only need to open the designated online banking and go directly to the homepage of the fund company for online processing and recommendation.
Manual operation: flexible, able to decide the investment share and time independently, seize market opportunities and control market risks. The disadvantage is that you need to bother yourself and remember to operate regularly. The effect of the operation is affected by the investor's own ability. In addition, if the starting point of each OTC subscription is high, it is generally 1 1,000 yuan. Suitable for people who have a certain understanding and experience in investment and have plenty of time.
Regular fixed purchase fund
There are usually two ways to buy funds. In addition to ordinary single purchase, there is another method that is quite suitable for lazy people, and that is regular quota. This method is widely popular abroad. Investors can go to the bank or through online banking and agree to invest a certain amount of money every month to subscribe for the fund. As long as the customer signs an agreement with the bank, the bank will automatically transfer the agreed funds from the account specified in the agreement to the fund account on a fixed day of each month, which is simple and convenient to operate.
At present, almost all fund companies have started this business, and the initial amount of monthly investment is generally around 300 yuan, with a low threshold. There are usually two ways to handle regular quota services. One is to go to the bank counter to sign the fund subscription agreement. At the same time, a regular quota is required, and the agreement is to transfer money from the account to buy funds on a certain day of each month. On which day, each bank has different regulations. For example, China Merchants Bank deducts money on the 8th of each month.
The other way is through the bank card link of online banking bank or bank-based link. The opening procedure is very simple, just choose the fund and fill in the monthly subscription amount. The advantage of online banking is that you can often change the monthly order amount. Under normal circumstances, if the account balance is insufficient for two consecutive months, the fixed-term quota will automatically stop.
For investors who like to buy funds from various fund companies, it is worth recommending the online banking of ICBC and China Merchants Bank. Investors can open a fund account directly in online banking, which can simplify many procedures. The method is also very simple. Investors only need to have a bank account at one time and open the online banking function, so they can easily invest their funds through the network and set the regular quota function.