1. First of all, buying a fund depends on the type of risk tolerance. If you can bear great risks, it is recommended to buy indexes and stock funds, which are risky and have high returns; If the endurance is average, it is recommended to buy a stable type; If you can't take risks, buy money funds and bond funds, but there is no income. However, if the fund makes a fixed investment, it is recommended to choose a high-risk type, because the fixed investment itself can spread risks.
2. Secondly, when choosing a fund, we should use a professional eye. Generally, fund companies that have experienced bull and bear markets have rich experience. I recommend buying products from Huaxia and Yifangda first, and companies such as Huitianfu, Yin Hua, Rongtong and Huashang are also good.
3. Since you prefer low-risk investment, you can choose Huaxia Return or Huaxia Return No.2 under Huaxia Fund Company, and then set the dividend method as "dividend reinvestment". Huaxia Return and Huaxia Return No.2 are hybrid funds with higher risks than bond funds and money market funds, but lower risks than equity funds and index funds. It aims at absolute return and pays dividends as long as it reaches the standard. My mother bought this a long time ago, and the dividend is 10 times, which is very good.
4. The advantage of fixed fund investment is to spread risks, so it is appropriate to start fixed investment at any time. In addition, no matter whether the market is up or down, as long as the market is still changing, there will be opportunities. Good stocks can also make money in bad markets, and bad stocks will still lose money in bull markets, so don't care too much about the market trend and stick to fixed investment.
About the handling fee for the fixed investment of Jianxin Fund;
The handling fee of each fund may be different, and the fees charged by different banks are different, so I can't tell you exactly how much, but you can go to any fund website to check the handling fee of this fund and then check the online banking discount of your bank. In addition, when selling, that is, when redeeming, the handling fee will also be deducted, so the fund is a product held for a long time and is not suitable for day trading. You are not easy to calculate, because when you purchase, it is not the net value at that time, but the net value on the second day after submission. What I see online is mainly your share. Actually, you don't need to care so much. Fixed investment is generally an easy way to manage money. If you pay too much attention, you will inevitably think about buying and selling, which is actually not good. Fixed investment means that you don't have to worry after buying it, and you can deduct it every month. As long as you think the fund you chose before is not bad. You can focus on other things.
Scheduled opening hours of CCB Fund:
1. Bring your ID card and bank card to the counter of CCB, sign the Fixed Investment Agreement (select the fund to invest in, the monthly fixed investment amount and the deduction date), and start fixed investment.
Second, first open "online banking" in CCB, and you can choose the online operation mode.
1. Log in to the "online banking" of the bank, enter the "personal banking", register the fund account, and select the investment and fund (fill in the fixed investment amount and deduction date). Open a fixed investment.
2. Log on to the fund website, register the fund account, select the investment, select the fund (fill in the fixed investment amount and deduction date), and open the fixed investment. (The registered capital account will involve ID number, bank card number and self-designed password. )
The bank's "fixed investment" business is an internationally accepted fund financing method similar to the bank's zero deposit and lump sum withdrawal, and it is a financing method of purchasing a certain fund product at the same time interval and the same amount. The biggest advantage of fixed investment is that it can average the investment cost, because the way of fixed investment is to buy a fixed amount of funds regularly no matter how the market fluctuates. When the net value of the fund rises, the number of stocks bought is small; When the net value of the fund goes down, buy more shares, that is, automatically form an investment method of lightening positions on rallies and overweight on dips. Active funds are greatly influenced by fund managers. At present, domestic active funds.