Hello, the front-end charges and back-end charges of the fund's fixed investment refer to the fees for subscribing to the fund. Some funds only charge front-end fees without back-end fees, such as your Huaxia bonus. Front-end fees are applicable to short-term and medium-term investments, and subscription fees are charged by deducting fixed investment every time. Generally, online banking is discounted, but back-end charges are not discounted. The longer the investment time, the lower the subscription fee. Generally, there is no subscription fee for redemption after 5 years. Therefore, back-end charges are suitable for long-term investors. The date and amount of deduction for CCB's fixed investment cannot be modified at will. At present, a winning fixed investment of Guangfa Fund, also called regular fixed investment, can be modified at will. I hope my answer can help you, thank you!