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. 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. If there is no money to make a fixed investment this month or the market rises very high, and the fund price is also high, you can also stop investing for one or two months, which will not affect the future fixed investment, but don't stop investing for three consecutive months. If the investment is stopped for three consecutive months, the fixed investment will automatically stop. When the stock market was in a bull market, funds also rose 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.