One of the common investment methods of funds. In the past, many people would buy funds at bank outlets. Now, with the development of the Internet, everyone will buy funds online. What's the difference between online shopping funds and those bought by banks? The following is what Bian Xiao collected for everyone about the difference between 202 1 online shopping fund and bank purchase _ how Alipay terminated the fixed investment of the fund. I hope I can help you.
What's the difference between online shopping funds and those bought by banks?
At present, there is not much difference between online shopping funds and bank purchases, mainly because the cost of subscription and redemption is different, and the cost of online shopping funds will be lower. In general, the subscription rate for banks to purchase funds is about 1.5%, and that for online shopping funds is about 0. 12%~0. 15%.
In addition, the online shopping fund operation is relatively simple. Take Alipay as an example. After downloading Alipay APP and opening a fund account, you can buy it. Banks need offline outlets to buy funds. However, at present, many banks have launched mobile apps, which can be purchased on mobile phones.
How does Alipay terminate the fixed investment of the fund?
Investors open Alipay APP software; Click on the financial management page, find the fund and click in; Click on the holding below to find the fund with fixed investment and click in; Find my fixed investment and click in, find management in the upper right corner of the fixed investment details and click; Slide to the bottom and click Terminate to terminate the fixed investment of the fund.
After termination, if the investor fails to redeem Alipay Fund, the money you invested before will continue to operate. If you make money, the holding share of this fund is profitable. Conversely, if the fund falls, the holding share will decrease.
How much is the monthly fixed investment fund appropriate?
In fact, the number of fixed investment of the fund is not accurate and needs to be determined according to its own situation. Then we can calculate the fixed investment amount according to the spare money. It is suggested that the monthly fixed investment amount should generally not exceed half of the monthly spare money. For example, your monthly income 10000 yuan, your expenditure is about 6000 yuan, and your monthly balance is 4000 yuan. Then you can take out half of the monthly balance to make a fixed investment, which is 2000 yuan.
In addition, you can also calculate the fixed investment amount according to the target. For example, suppose the return rate of the fund's fixed investment is 10%, and after three years, you can save 65438+ 10,000 yuan to buy a new car. Then, you have to spend about 2393.39 yuan a month to make a fixed investment. At the same time, before choosing an investment fund, you should consider whether it is beyond your tolerance and whether it will cause greater pressure on your daily life. The most important thing is to make a fixed investment according to your own situation.
Can the fund make money by fixed investment?
Most people who invest in funds are medium and long-term investors, and in fund investment, it is easier to make money only by making medium and long-term investments. The fund is managed by a fund manager with high professional knowledge and rich investment experience and his team. These people can be said to be elites in the financial field, and naturally have more opportunities to make money in investment and financial management.
Therefore, in the medium and long term, the possibility of making money from fund investment is still relatively large. As long as we insist on medium and long-term investment, even if we don't adopt fixed investment, the probability of making money is relatively large. Fixed investment only allows us to better establish the habit of medium and long-term investment. Short-term investment is not impossible to make money, but it is more difficult to make money and easier to lose money.
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