There are several ways to buy a fund: one is to buy it at the bank counter, and the handling fee is 1.5%. If you buy it in online banking, the handling fee is 6-8 fold. Buy it on the website of the fund company, and the handling fee will be 60% off. However, it is also necessary to open online banking, and there is a redemption fee of 0.5% when redeeming. These are front-end charges.

There is also a way called back-end charging, that is, there is no handling fee for buying a fund, but it must be held for the time specified by the fund company (ranging from 3- 10 years) and then redeemed without handling fee. Not all funds have back-end fees.

Fixed investment funds are suitable for choosing funds with back-end fees, and there is no handling fee when buying them every month, which can save a lot of handling fees in the long run.