Does a regular investment fund have a fixed day to pay every month? Do I have to pay a handling fee

Does the fixed investment type have a fixed day to pay every month? A: Yes, it is deducted directly from your bank card, you do not have to go to the bank.

Do I have to pay a handling fee every time? A: Front-end, yes.

If it is charged by the back-end, it will be paid again at the time of redemption. Don't know how to charge and pay? A:

Generally, yes. Do you want to open **SMS line in the future? A:

Yes. Gratuitous.

When you apply for the auto-investment, you have determined the date of the deduction of the auto-investment each month. There will be a ** subscription fee for each month's regular investment subscription.

I don't know what kind of ** you bought at ICBC, so I can't for the time being.

At present, ICBC's ** automatic investment deduction period is one month, and the charging method, regular investment cycle and time to participate in regular investment, and the amount of automatic investment in each period are set when you buy. There is a fixed deduction day every month, if there is no money deduction in your account for two cycles (months), it will automatically assume that you have ended the regular investment period, and there will be no deduction from the third month, and your regular investment amount is the amount you have deducted. It is recommended to set up an ICBC online banking, now the electronic password card is free, and then do it online, which is much more convenient than the counter, and there is also help to use, which is very convenient.

**Regular investment does not necessarily have to be invested every week, this is determined according to your spare money, sometimes you can invest daily, or you can invest every two weeks. You can also invest on a monthly basis. **You can also not invest in the middle of the regular investment.

In the long run, their gains are about the same.

The following factors are mainly considered:

1. Investment cycle: (long time cycle).

If the investment cycle is long enough, a monthly fixed investment is enough to achieve the effect.

2. Funds that can be invested regularly: (more funds).

If you have a large monthly fixed investment, you can choose to invest weekly.

If there are fewer funds available for ** regular investment each month, it is not suitable to split into 4 weeks, it is recommended to invest on a monthly basis.

3. Bull market or bear market.

In a bull market, the frequency of regular investment should be reduced (the frequency of regular investment should be reduced).

Between 2014 and 2015, China experienced a significant margin. During the period, if you invest 800 yuan per month to buy Penghua China 50 Mix**, the final **share will be 4957 shares, and the final **share will be 4857 shares if you invest 200 yuan per week. Therefore, in the bull market stage, it is better to choose the method of monthly regular investment to allocate costs.

Focusing on the present and the future, the market is in a state of slow bullishness, and in this context, we can choose the frequency of monthly regular investment.

In a bear market, the frequency of regular investment can be appropriately increased (the frequency of regular investment should be increased, and it is better to use regular investment under the cost line).

From 2016 to 2018, my country experienced a big bear market. If you invest 800 yuan per month to buy Penghua China 50** during this period, the final share of ** will be 3248 shares; If you invest 200 yuan per week, the final share is 3310. Therefore, in the bear market stage, it is better to increase the frequency of investment.

What has a decisive impact on the effect of regular investment is, in the final analysis, the performance of the company itself, the cycle of regular investment, and even whether the deduction is the day of the week or the day of the month, which is just a little trick to add icing on the cake.

It is difficult for ordinary investors to grasp the right time to invest in a timely manner, and it is often possible to sell at the market high** and sell at the market low. The use of **regular fixed investment method, no matter how the market fluctuates, a fixed day of fixed investment ** every month**, automatically deducted by the bank, and automatically calculate the number of shares that can be bought according to the **net value. In this way, the funds purchased by investors are invested on schedule, and the cost of investment is relatively average.

For example, if you invest $100 in an open-ended ** every two months, the number of shares that can be purchased each time is 100, shares, shares, shares, shares and shares, and the cumulative number of shares is shares, the average cost is 600 yuan, and the return on investment is (, which is better than investing 10% of the return on investment of 600 yuan with a subscription of 1 yuan at the beginning.

**Regular investment means that the investor invests in a fixed amount of money at a fixed time in the specified open**, if the investor's regular investment cycle is daily, the investor has to invest money every day; If the investor's regular investment cycle is weekly, the investor has to invest money every week; If the investor's regular investment cycle is monthly, the investor invests money every month.

**Regular investment, whether to choose monthly fixed investment, weekly fixed investment or daily fixed investment.