1 Different trading places. Buying a fund in Alipay is an over-the-counter transaction, while buying a fund in a stock account is an over-the-counter transaction. "Market" refers to Shanghai Stock Exchange and Shenzhen Stock Exchange.

2 trading hours are different. On-site funds can be sold at T+ 1 day after subscription, and off-site funds can be redeemed at T+2 days after subscription.

3 the threshold is different. The investment threshold for Alipay to purchase funds is low, while the trading threshold for on-site funds is high, usually starting from 100.

4 the transaction price is different. Over-the-counter trading takes the net value of the fund after the end of the trading day as the trading price, and the trading price of the on-site fund is the real-time changing price.

5 transaction costs are different. Under normal circumstances, the transaction cost of on-site transactions will be lower than that of off-site transactions. Please refer to the actual transaction. The main difference between buying fund products on different platforms of fund companies, banks and Alipay lies in the types, quantity and handling fees of funds.

1, buy funds in the bank

Banks are an important channel for fund companies to sell fund products. Before the internet channel was not so developed, many people bought funds for the first time through banks, and the financial managers of banks would introduce fund products to customers. But generally speaking, when purchasing fund products in banks, the number of funds that wealth management users can choose is relatively small, and the handling fee will be relatively high.

Buying fund wealth management products through banks will involve management fees, subscription fees/subscription fees, redemption fees and other handling fees, of which management fees are basically not discounted.

Yes, and the redemption fee is calculated according to the holding time of the subscription fund. Usually, the longer you hold it, the lower the redemption fee will be.

2 Buy funds on Alipay and other fund consignment platforms.

At present, all major internet financial platforms basically have photos of fund sales, and the types and quantities of funds on different fund sales platforms are different. The fund in Alipay

There are still many types of products, and different fund products charge different fees. However, compared with bank funds, the handling fee of Alipay platform will be lower.

3. Buy the fund of a fund company.

In addition, fund products can also be purchased directly from fund companies, but the fund products that can only be purchased in this way are all purchased through fund companies, so the subscription fee and subscription fee are generally lower than those of banks. If you take a fancy to a fund, you can choose to buy it through a fund company.

Generally speaking, compared with Alipay, Alipay provides more fund products with lower fees. The biggest disadvantage of buying fund products in banks is that the handling fee rate is too high.