When I was applying for a card at China Construction Bank, I was recommended a fund. I bought it because I didn’t understand it at the time. I paid 300 yuan on a monthly basis. She said it was just a deposit. Can anyone explain it to me?

What you purchased is a fixed investment fund, which means you deposit 300 yuan per month. I just don’t know which fund you are buying, because there are many types of funds, so you have to look at the fund code yourself.

Fixed investment funds require a monthly deposit of 300 yuan. If you do not deposit for more than 3 months, you will give up the fund by default. If you don't want to continue to buy the fund, then don't deposit money into this card. After 3 months, enter the online banking fund screen and click Cancel Fixed Investment in the Fund, and your money will not be deducted in the future.

If you have been deducted 300 yuan in the first month, you can only pay attention to the trend of the fund to see if your fund balance reaches 300 yuan. 300 yuan is only the principal, and you still have to pay There is a handling fee for purchasing funds, but even if it is 300 yuan, you will not lose much. You can sell this fund whenever you want.

You can also go to the counter to apply to cancel your fund fixed investment, but don’t buy anymore.

Investment funds are long-term and cannot see results in the short term. There are many types of funds, including stock funds and bond funds. As for the quality of the funds, it depends on the beholder and the wise. However, no matter what you invest in, there are risks. It all depends on your own psychological endurance.