If you have spare money every month, you can choose a fixed investment fund, with a monthly minimum of 200 yuan and a maximum of 50,000 yuan.
There are two ways to charge the fund: first, the front-end charge, which is the default, that is, the handling fee will be paid in proportion when buying every month, which increases the cost of fixed investment. The handling fee is 1.5% if you buy it at the bank counter, 60-20% if you buy it online, and the minimum handling fee is 40% if you buy it at the fund company website. 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.
Therefore, it is best to choose a fund with back-end charges for fixed investment funds. Not all funds have a back end.
Second, change the cash dividend into dividend reinvestment, so that if the fund company pays dividends, all cash will be automatically repurchased, 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.
The above points have been mastered, and the fixed investment fund still has good returns.