Harvest 300 has no back-end charges, so it is not suitable for fixed investment, and there will be a handling fee every month. Yin Hua's advantage has a back end, which is not bad. Huaxia dividend is right or wrong, but at present there is only a front end.

It is best to choose a fund with back-end charges for fixed investment, so that there is no handling fee when buying it every month, but it will be redeemed after holding it for the time specified by the fund company (ranging from 3- 10 years), and there is no handling fee, which can save a lot of handling fees in the long run. Fixed investment funds are suitable for stock funds and index funds, because they fluctuate greatly and can effectively dilute costs.

But insist on long-term holding. If there is no money to make a fixed investment in a certain month, you can stop investing for one or two months without affecting the fixed investment. However, if the investment is stopped for three consecutive months, the fixed investment will automatically stop. In addition, it is best to change the cash dividend into dividend reinvestment. In this way, if the fund company pays dividends and the fund company buys the fund again, this part of the fund has no handling fee, which saves expenses and can also generate compound interest income.

These funds have back-ends: Bank of Communications Steady, Industrial Trend, Southern 500, Dacheng 300, Desheng Advantage, Guangfa Jufeng and most of the funds of Guangfa Company and most of the funds of Huaan Fund Company.