From your questions, I can see that there are too many basic problems about the fund that you need to solve. I suggest you know the most basic problems of the fund first. Even if we buy food, we have to look at what it is and pick it before we buy it. What's more, this is financial management, and we need real money. Don't wait until all the real money is gone (the fund will lose money) before we want to know what is going on.

I hope I can help you by answering some of your questions first.

1. At present, there are more than 5 open-end funds in China, and there are many types, such as stock type, bond type, currency type, growth type, value type, passive type, active type and so on. You must understand these by yourself.

2. There are at least one or two hundred funds on behalf of ICBC. You can check it on ICBC's website yourself.

3. The preferential subscription fee of the fund is constantly changing, so you can only check online when you want to buy it. Generally speaking, the biggest discount is the website of the fund company.

4. I think when you say "advance investment funds and later investment funds", you should mean "front-end" and "back-end" charging modes. There is no difference in the dividend situation between the two models. And there is no subscription fee for the fund share generated by dividends (if you choose to invest in dividends).

5. Because you mentioned dividends, I want to remind you (it would be better if you knew) that dividends from the fund are meaningless, just transferring your money from your right pocket to your left pocket will not increase your profit, because the net value of the fund will decrease after dividends.

For example, an open-end fund has a net worth of 1.2 yuan, and you have 1, shares, so your total capital before dividends is 1.2 * 1, = 1,2 yuan; If each fund pays dividends in .2 yuan, then your share of dividends is 1,, and the dividend amount is .2 * 1, = 2 yuan. After dividends, the net value of the fund will be deducted, that is, the net value of the fund will return to 1 yuan, so your total amount of funds after dividends is: 1, * 1+1, * .2 = 1,2 yuan, which is clear at a glance. The total amount of funds before and after dividends is. Therefore, it doesn't make sense for the fund to pay dividends.