There are several types of open-end funds: currency type, bond type, capital preservation type and stock type. There is no redemption fee for monetary funds, and the income is equivalent to six-month to one-year deposits, which can be redeemed at any time without losing money. The subscription and redemption fees of bond funds are relatively low, and the income is generally greater than that of monetary funds, but there is also the risk of loss, and the loss will not be great. Stock-based funds have the highest subscription and redemption fees, and the fund assets are stocks. When the stock market falls, the fund will have the risk of losing money, but if the stock market rises, there will be gains. The handling fee is generally 1.% for subscription, 1.5% for subscription and .5% for redemption. However, if you open online banking in the bank to buy some funds, there is a discount of .6-.8%, and if you buy them on the fund website, there is a discount of .4-.6%. First, open a bank card and online banking, and open a fund trading account. After going home, go to the online banking. If you want to buy the fund of that fund company, go to the fund company to open a fund account, and then purchase or subscribe. If the fund company doesn't support your card, you can buy it by remittance

and buy the fund to a bank or fund company. Banks can act as agents for many fund companies, and specifically open an account to find a bank financial counter to handle it. At present, some securities companies also have agents to buy and sell funds. There is a discount on the general charge for online purchase after the bank opens online banking.

first, let's make a self-understanding, whether it's high risk and high return or steady capital preservation and return. The former buys stock funds, and the latter buys bond or monetary funds. After determining the types of funds, the selection of funds can be based on fund performance, fund manager, fund size, fund investment direction preference, fund charging standards and so on. Fund performance is ranked online. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment, and index funds with the same target should choose low management fees and custody fees. I'm afraid I won't make specific recommendations. Only the feet know whether the shoes are good or not.

Generally speaking, there are two ways to invest in open-end funds, single investment and regular quota. The so-called "fixed investment" of the fund means that investors invest a fixed amount (such as 1 yuan) in the designated open-end fund at a fixed time every month (such as the 1th day of each month), which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method of the fund's "fixed investment", it is also called "small investment plan" or "lazy financial management"

The fixed-term investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price on dips and decreasing the price on dips, and can always get a relatively low average cost no matter how the market price changes. Therefore, regular fixed investment can smooth out the peaks and valleys of the fund's net value and eliminate market volatility. As long as the selected funds have overall growth, investors will get a relatively average income, and they don't have to worry about the timing of entering the market.

it is always an opportunity to invest in stock funds to make a fixed investment, but you can only see the effect if you are determined to stick to it.