When customers apply for "smart fixed investment", they can decide the investment amount of each period by themselves. The minimum subscription amount for each period shall not be less than RMB 300 yuan (including 300 yuan), and the unit with the minimum subscription amount shall be reserved to points; At the same time, the subscription amount of each fixed investment is not limited by the minimum subscription amount of each fund.
The subscription fee depends on the regulations of each fund, which is generally 65438+ 0.5% of the subscription amount; The redemption fee is 0.5% of the redemption amount.
If you choose the back end, the longer you hold it, the lower the subscription fee charged at the time of redemption. Holding for more than three years generally does not require subscription fees (see the fund's articles of association for details).
The type of fund you choose should be consistent with your risk tolerance. You can check the risk types of the fund through its past net performance. The greater the fluctuation, the higher the risk. Generally speaking, funds are divided into stock type, mixed type, bond type and currency type; Among the above four types of funds, the stock type has the highest risk and the currency type has the lowest; The higher the risk, the greater the income, but it does not mean that the fund with high risk will definitely get positive income; This depends on the company's investment research ability, investment environment, investment direction, investment opportunity and other factors.