If you buy at the bank counter, the handling fee is 1.5%. If you buy in online banking, the handling fee is 60-20%. If you buy on the fund company's website, the minimum handling fee is 40%. There is a redemption fee ranging from 0.25% to 0.5% at the time of redemption. There is also a back-end charge, that is, there is no handling fee when you buy it every month, but you can redeem it when it reaches 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.

Second, change the cash dividend into dividend reinvestment, so that if the fund company pays dividends, the cash will automatically re-purchase the fund, and there is no handling fee for this part of the fund.

Third, if you have no money to make a fixed investment this month, or if the market rises very high and the fund price is very high, you can also stop investing for one or two months, which will not affect your future fixed investment, but don't stop investing for three months in a row. If the investment is stopped for three consecutive months, the fixed investment will automatically stop.

Fourth, when the stock market is in a bull market, funds also rise a lot. At this time, the investment can be appropriately reduced. If the stock market is in a bear market, you can appropriately increase investment and increase the fund share.