There are two main inspection points in choosing fund subscription channels, one is the subscription cost of channels, and the other is the subscription convenience of channels.

Generally speaking, it is the cheapest to log in to the fund company's online direct selling account in official website, with a minimum discount of 40% (0.6%). At the same time, because there is no need to go through the consignment link, the confirmation time of the purchase and redemption of this channel is also the shortest.

For example, it often takes T+2 working days for banks to redeem money funds through consignment channels, while it only takes T+ 1 working day for fund companies to directly sell online. But the disadvantage of this channel is that when investors need to apply for funds from different fund companies, they need to open accounts in different fund companies, which is more troublesome to operate. At the same time, the cooperative banks with direct accounts opened by different fund companies are different. It is possible that the bank card in the hands of investors is not the direct cooperative bank of the fund company, so there are relatively many restrictions.

The discount of subscription fee for online banking "fund supermarket" is not as low as that of online direct sales of fund companies most of the time. However, due to the inclusion of funds from various fund companies, the cumbersome procedures for investors to open accounts and log in many times have been eliminated, and one-stop fund redemption service has been realized. But sometimes, if banks sign contracts with fund companies, they can enjoy a preferential interest rate of 7-8 fold. But the 40% discount is very small.

As for securities companies, they obviously lack the advantages of price and variety selection.

In addition, the third-party fund purchase platforms that have developed rapidly in recent years, such as Tiantian Win, have the convenience of one-stop fund direct payment and the low price advantage of 60% off the subscription fee. But the disadvantage is that it does not cover all fund companies and their products.

So where to buy a fund, whether it is affordable or convenient, depends on your choice.