About regular investment funds, about regular investment funds. Please give me a lot of advice.

It's the experts who help you manage your money. **The minimum starting capital is 1,000 yuan, and the fixed investment starts from 200 yuan.

You can buy **to the bank or **company. Banks can **many** company business, and the specific account opening can be handled by the bank wealth management counter. Now some ** companies also have **** trading. After the bank opens online banking, there is a discount on the general fees for online purchases.

First of all, do a self-understanding, whether you want high risk and high return or stable capital preservation and income. The former buys **type**, and the latter buys bond type or currency type**. After determining the type, you can choose according to the performance, manager, scale, investment direction preference, charging standard, etc.

**Performance is ranked online. A more stable **type** can choose an index or an ETFIt is best to choose the back-end payment for regular investment, and the same underlying index** should choose the one with low management fees and custody fees.

I don't make specific recommendations, only the feet know whether the shoes are good or not.

Generally speaking, there are two types of open-ended** investments, single investments and regular fixed amounts. The so-called "fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method. Due to the low starting point and simple method of "fixed investment", it is also known as "small investment plan" or "lazy financial management".

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

Investment**type** to make a fixed investment is always an opportunity, but the determination to persevere to the end can see the effect.

The shortest time is OK, as long as you have no money in your account, it will be automatically suspended.

There are several ways to buy**: one is to buy at the bank counter, as long as there is a bank card, the handling fee is, the second is to buy on the online bank, the handling fee is six percent off, the third is to buy on the company, the handling fee is lower than buying in the online bank, and some are four folds, but it is also necessary to open online banking.

One-time buy**, minimum 1000 yuan, fixed investment** minimum 200 yuan per month, but some ** require a minimum of yuan.

There is also a redemption fee at the time of redemption, and if the holding time is within one year, a handling fee will be charged, and a handling fee will be charged for more than one year and less than two years, and there will be no redemption fee for more than two years.

Of course, there are two charging methods, one is the front-end fee, which is generally the default one, that is, the ** is charged according to the percentage mentioned above, and the other is the back-end charge (not all ** have back-end charges), that is, there is no handling fee when **, but there is no handling fee after the redemption after the holding time reaches the time specified by the **company (3 10 years).

Regular investment**It is suitable to choose a back-end fee**. ** type and index type are more suitable for regular investment. Because of the large fluctuations, the cost can be effectively amortized.

Buy at **, go to ** to redeem (sell). If it is a regular investment, you can buy it at any time, because the monthly ** is different, so the cost can be amortized.

When it falls, it is the time of ****, because most of it is **** to make money.

**Good for long-term investment, I hope you stick to it.

Go to the bank, there is a professional financial planner, who will recommend the right one for you according to your situation and requirements.

You can buy ** at any bank, as long as it's convenient for you.

1. If it is more than three years, it is best to choose one with back-end charges. Whether there is a back-end charge, there is an explanation in the **subscription fee column, not all** has a back-end.

2. You can buy ** on online banking, which is very convenient, as long as you open online banking and open ** account. If you change places in the future, you can also continue to invest regularly, as long as you ensure that there is money in the bank card, the bank will automatically deduct the money****.

3. Redemption is also very simple, and you can redeem it in online banking. There is a redemption fee, and it takes five business days for the funds to arrive back in your bank account.

4. There is no conflict, it is a **trading account, you can buy**, you can also buy**, and you buy ** in the bank, but it is just a different channel.

5. How much to invest per month, depending on your own situation, you can invest about 500 yuan. When it is bad, you can increase your investment appropriately, and when it is good, it will be very high, and you can reduce your investment appropriately. In this way, the cost can be amortized.

Regular investment** is suitable for long-term investment, if the regular investment (more than three years), it is recommended that you choose the back-end fee** to regular investment, so that there is no handling fee every month, and you can save a lot of handling fees in the long run. Not all ** have backend charges.

**There are two charging methods: one is the front-end fee, which is the default one, that is, the handling fee must be paid proportionally every month, which increases the cost of regular investment. If you buy it at the bank counter, the handling fee is, buy it in the online bank, the handling fee is 68% off, and if you buy it on **company**, the minimum handling fee is 4% off.

There are also redemption fees that vary at the time of redemption. There is also a back-end fee, that is, there is no handling fee at the time of ** every month, but the holding time must reach the time specified by the ** company (ranging from 3 to 10 years) before redeeming, 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 back-end fee for regular investment. Not all of them have a backend.

The second is to change the cash dividend to dividend reinvestment, so that if the company pays dividends, the cash will be automatically repaid, and there is no handling fee for this part.

The third is that if you don't have money to invest this month or the ** price is very high, **** is also very high, you can also stop investing for one to two months, which will not affect the regular investment in the future, but do not stop investing for three consecutive months, if it is suspended for three consecutive months, the regular investment will automatically stop.

Fourth, in the bull market, the price also rises more, at this time you can appropriately reduce investment, if you are in a bear market, you can increase investment appropriately to increase the share.

There are many back-end charges, which are explained in the subscription fee column.

There will be a lot of backends; Such as: Dacheng 300, Xingye Trend, Xingye 300, Desheng Advantage, Southern 500 and so on.

Truth be told, some of these questions you need to know are the most basic. It is recommended that you first figure out some basic common sense before making a regular investment**. Otherwise, I don't know what happened if I was sold.

A common way to invest regularly is to invest a fixed amount of money on a regular basis, that is, to subscribe for a fixed share of the company in a fixed period of time every week or month. Regular investment can average the cost, diversify risks, and achieve automatic investment, so regular investment is also known as "lazy investment". This is a longer-term investment, and the short-term effect is not obvious, so make sure that you can come up with a spare amount of money in the long run.

Here are the results of factoring in time compounding. The average annual investment income is 8% as the pre-set condition.

Save 100 yuan a month to buy **, save from 20 years old to 60 years old, the total investment is 12x100x40 = 48000, because it is continuous investment, it is equivalent to 24000x(1+8%) 40=637800, 30 years old to 60 years old, the total investment is 12x100x30=36000, investment income 18000x(1+8%) 30=220000, and so on. The average annual investment income of 8% must be used in the form of continuous investment or index, which can be realized, bonds and currencies have absolutely no such investment yield, and all banks have handled the regular investment method, and the specific details are inquired at the bank counter.

The annuity calculation method is used. The first thing to do is to determine what your APR is. There is a formula for the specifics.

But now the Internet is very convenient, you can find a calculator on the Internet and do the math yourself.

It is easier to invest in the one that you are looking for to open an account.

China Merchants Bank is now doing a lot of advertising, and more people know about it. But in fact, many banks have it. The choice is yours.