There are several ways to buy funds: at the bank counter, the handling fee is 1.5%, at the online bank, the handling fee is 60-20%, and at the fund company website, the handling fee is at least 40%.
Just take your ID card and bank card to the bank.
If it is a fixed investment, it is best to 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 of large fluctuations, which 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.
South 500, Dacheng 300, Bank of Communications are stable, industrial trends, Desheng advantages, and so on all have back-ends.
After buying the fund, it takes two days to confirm. In the future, you can log on to the website of the fund company and enter your ID card and password (the last six digits of the ID card) in the query column, and you can see the details of your fund.
You can also register in China Fund Network, enter your own fund and check the details of your own fund.