Hello, generally speaking, fund companies have advantages in handling fees. Most of the funds of fund companies are 40% of the front-end subscription fee, and the specific fund insurance may require the customer service of the fund company. In terms of banks, except for the China Construction Postal Savings Office, most other medium-sized commercial banks have lowered their front-end interest rates to 4%.

In terms of service, fund companies are better, because agents will have special prices to provide you with some information. But whether this information is really useful to you is uncertain, but the bank will definitely not send you a text message or call you. But advertising harassment may follow.

Fund change is an important function, but whether to support fund change depends on the specific fund needs. Some funds may or may not support it. Generally speaking, the best trading channel for funds is the direct selling channel of official website, a fund company. No matter the discount rate or fund conversion, the various forms of fixed investment, fast redemption speed and real-time account arrival function of money funds are more or less unavailable in other channels.

: 1. What is a fund?

A fund refers to a certain amount of funds set up for a specific purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.

From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. The fund we are talking about mainly refers to the securities investment fund.

Two: the classification of funds is as follows

According to different standards, securities investment funds can be divided into different types:

(1) According to whether the fund share can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not traded on the market (as the case may be), and the fund scale is not fixed through subscription and redemption by banks, securities companies and fund companies; Closed-end funds have a fixed duration and are generally listed and traded on stock exchanges. Investors buy and sell fund shares through the secondary market.

(2) According to different organizational forms, it can be divided into corporate funds and contractual funds. Fund is an investment fund company established by issuing fund shares, usually called corporate fund; Usually called contractual fund, it is established by fund managers, fund custodians and investors through fund contracts. China's securities investment funds belong to contractual funds.

(3) According to the different investment risks and returns, it can be divided into growth funds, income-based funds and balanced funds.

(4) According to different investment objects, it can be divided into stock funds, bond funds, money market funds and futures funds.