If you need to make a long-term fixed investment, you must be clear about your fixed investment target and expected annualized expected income target, and you can calculate the expected annualized expected income yourself. For example:

As shown in the above figure, this is directly obtained from the calculator of the fund's fixed investment, but because I am used to using excel at ordinary times, every fixed investment will be recorded, so you can have a comparison.

2. Subscription and redemption rates

Under normal circumstances, the subscription rate of a fund fixed investment transaction is 1.5%, and the redemption rate is 0.5%. However, there are also preferential differences according to different trading channels. Generally, there is no preferential rate for the operation of bank counters and securities companies, but there will be discounts ranging from 6% to 4% for bank online banking, fund official website and third-party platforms.

Rate calculation: If the online banking of Agricultural Bank of China is used to invest in 500 yuan in the current month, the net value is 1.7280, and the 20% discount rate is 1.2%. How to calculate the handling fee and confirm the share?

Therefore, the subscription fee = 500-{500/(1+1.2%)} = 5.92.

Actual confirmed amount =500-5.92=494.08

Confirmed share =494.08/ 1.7280=285.92.

3. The formula of expected annualized expected return for fixed investment of funds is commonly used (as shown in the above figure):

According to the calculation formula:

Average cost =9000/5789.96= 1.5544.

Current market value =1.724 * 5789.96 = 9981.89.

Redemption fee = 998 1.89 * 0.5% = 49.438+0.

Redemption income = 9981.89-49.91= 9931.98.

Total expected annualized expected return of fixed investment = 9931.98-9000 = 931.98.

Total expected annualized expected rate of return of fixed investment = 931.98/9000 =10.36%.