When investors buy back-end fee-based fixed investment funds, it is most appropriate to choose index type. The following figure shows the list of back-end charging index funds of Tian Tian Fund Network:

There are two ways to charge for the fixed investment of the fund, one is the front-end charge; The other is the back-end charge.

1, front-end charge, that is, the insurance premium must be paid in proportion when purchasing, which increases the fixed investment cost. Buying at the bank counter, the handling fee is generally1.2%; 6 ~ 20% discount on online banking fees; Buy it on the fund company's website, and the minimum handling fee is 60% off.

2. Back-end charges. There is no handling fee when the fund is bought, and it can only be redeemed at the time specified by the fund company. Generally speaking, the stipulated time is 3-5 years, but not all funds have back-end fees.

Fund fixed investment is like fixed deposit and fixed withdrawal in the bank, and it is bought every month. Most of them are from 100 yuan, with a maximum of 50,000 yuan. The fixed investment of the fund is also risky, but the longer it is held, the lower the risk.

Fixed investment funds are suitable for choosing stock funds and index funds, among which index funds are the best. Because they fluctuate greatly, they can share the cost effectively.