If you have any questions about regular investment of funds, please ask professionals to help answer

You're right. Because the Harvest theme you buy is a front-end fee, you will be charged a handling fee every month, and if you invest in an online bank, the handling fee is six or eight percent off.

Every time I am someone else, I suggest that if you invest regularly, it is best to choose a back-end fee, so that there is no handling fee every month, but the holding time should reach the time specified by the company (3 10 years) before redeeming, and there is no handling fee, which can save a lot of handling fees in the long run.

There are no back-end fees for Harvest Theme and Harvest 300, so you have to pay a proportional handling fee every month when you invest regularly.

If you plan to invest regularly for a long time**, it is best to change to another one with back-end fees**. If you only plan to invest regularly for 1 or 2 years, then there is no need to switch.

I have a ** fixed investment, which is the back-end fee**, more than two years, no handling fee has been deducted, and after a sharp drop in 08 years, it is now profitable. Therefore, regular investment** is a long-term investment.

If you choose not the back-end fee, then you will deduct the subscription fee every month, which should be the 10 yuan, and the dividend reinvestment is not to distribute cash after the dividend but to directly share the corresponding part of the dividend. You calculate that a profit of 165 yuan is a net worth increase, and dividends are two different things.

1. The subscription fee is deducted. The subscription fee will be deducted when you subscribe every month;

2. The money you make every month is your profit, but it is not the company's dividend. The dividend reinvestment method you choose will only be converted into shares if the company pays dividends separately.

I'll be brief:

**Regular investment is a long-term investment and financial plan, so it is generally necessary to choose "back-end charges" and "dividend reinvestment", because long-term investment back-end fees will get more discounts, and dividend reinvestment can fully enjoy compound interest accumulation.

**Regular investment generally chooses a high-risk index**, because the regular investment itself can stabilize the risk of index fluctuations, and the index ** fee is relatively low.

Harvest theme is Harvest's fist product, the fee is higher, the risk control is also very good, this year's market performance is good, but if the market is unilateral, the eight achievements can not keep up with the index. If you choose the opportunity to buy at one time, it is still a good choice, and regular investment is not very cost-effective.

If you want high profits and high risks, you can invest in closed-end **, for example: **You can buy at each stage of the following ,,,, the lower the more you buy, there will be good returns.

You'd better open an account. Buy whatever you want. And the fees are cheaper than the bank's.

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.

**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.

**Originally, it was the best choice for long-term gains. If it is a regular investment method, it can also smooth out the loss of income caused by short-term fluctuations, since it is the pursuit of long-term returns, you can choose the variety with the highest target return, index**. The index originally selected the target, the blue chip stocks and high-quality stocks in the industry with model representative significance, and avoided the risk of ** because it has a certain number of models.

And the impact of economic cycles on individual industries is avoided. Since it is a long-term fixed investment, it takes time to digest the inevitable high-risk characteristics of high-yield varieties.

It is advisable to choose products from high-quality ** companies. For example, ChinaAMC, E Fund, Southern, etc., it is recommended to use the CSI 300 and small-cap indexes. You can open an account through the company, let the professional investment manager serve you, and some index varieties are free of handling fees through the company, which reduces your investment costs.

There is not much money, there is no need to disperse the regular investment, use time compound interest to make money for you, and concentrate on one or two **. **Regular investment should choose the back-end fee model, and the dividend method can be reinvested.

First, from the point of view of the first type, the index and the first type are suitable, especially in the current market, the index type should be not bad. From the analysis of the company, we should find a larger company with a relatively stable investment style, Huaxia and Bosera are not bad, but Huaxia should pay attention to the fact that there are always some ** companies that are suspending the subscription period, and this kind of can't be done. GF is good, the service is also in place, and the style is stable.

From the point of view, the Galaxy is stable, Huaxia returns, and Huaxia's advantages are all good.

Second, for regular investment, diversification is not very significant, of course, it is recommended to divide it into three, it is best to invest in three **company**, so as to avoid the risk caused by **company.

3. First of all, pay attention to the selection of banks that are currently discounting the rate of regular investment subscription, such as the Agricultural Bank of China, which is now a 20% discount on the subscription fee; Secondly, choose the kind of back-end charging method, so that if you hold the ** for more than two years, your rate will drop to zero, especially if some ** also stipulate that the redemption rate is also zero if you hold it for more than two years; Finally, please choose the dividend reinvestment method, so that your regular investment is more meaningful;

Fourth, the choice of ** company direct sales and bank sales may have certain discounts in fees, but personal opinion, it is better to deduct through a third party, because after all, regular investment is a long-term thing, in order to avoid unnecessary disputes in the future, it is better to find a third party as a witness.

First, choose**, it is best to do a financial diagnosis first, to see what type of investor you belong to (aggressive, stable or conservative), after the diagnosis is completed, and then choose the best ** according to the situation, here we recommend you to use "Zhihui financial planner" It can help you pick the best ** that suits you.

Second, pick the best, pay attention to two points, one is to pick a large company, the other is to pick more than three years of issuance, and then look at the income in the past few years, and then do analysis and comparison.

3. 2000 pieces can be combined and about 4 **.

Fourth, regular investment is a lazy way to manage money, we must pay attention to persistence, there is no need to see the income every day. Oh, just keep a good mindset for long-term investment! **If the company sells directly, the handling fee is slightly lower, and there are no other advantages.

1 Generally select index**, e.g. Harvest 300, SZSE 100

2 Generally, you choose to pay for the backend. Compare savings.

3 Online purchases are cheaper.

4 Dividend method: Dividend reinvestment.

5 Time: A cycle of more than 5 years.