Over the past three years, Bian Xiao has been buying funds from China Merchants Bank and Bank of Communications online banking. Through long-term comparison, I found some differences between them. Let's summarize and share with you:
Quantity of consignment funds
As of 2065438+February 28th, 2005, nearly 100 banks sold funds on commission, among which Bank of Communications sold funds on commission 1505, ranking first. China Merchants Bank followed closely with the number 1366.
Fund classification
China Merchants Bank lists all funds together. After clicking on a fund company, a list of all funds of a company will appear. Bank of Communications classifies funds according to stocks, bonds and currencies. If you query a category, all funds in the same category will be listed. For beginners who can't tell the style of funds, Bank of Communications will help you understand the types and classifications of funds.
Subscription rate
Bank of Communications has always had preferential activities, with a general subscription fee of 20%; However, China Merchants Bank has never given preferential treatment, and occasionally there will be preferential treatment, which is limited to a few funds. This is also the point that everyone complains the most about China Merchants Bank. I hope that China Merchants Bank can also lower the price and give more profits to investors.
The starting point of fixed investment
China Merchants Bank starts from 300 yuan and Bank of Communications starts from 200 yuan.
Intelligent fixed investment
China Merchants Bank's smart fixed investment is very flexible and humanized. The set deduction date is day, week and month; The set date and amount of fixed investment can be changed at any time, and it will take effect immediately after confirmation; The fund can withdraw its orders at any time before the closing of the market on the day of deduction, and can also make additional investments at any time; Namely automatic+manual input. After discovering this function, I love China Merchants Bank even more.
Bank of Communications cannot cancel the bill or make additional purchases on the day when the fixed investment is deducted, and the modification of the fixed investment date and amount will not take effect on the same day. If you want to buy, you must make a general subscription from 1000 yuan. This has always depressed me.
The differences between China Merchants Bank and Bank of Communications in buying funds are roughly sorted out as above. Now banks are selling more and more funds, so you might as well pay more attention.
Introduction reading
20 15 bank fund consignment ranking: Bank of Communications leads China Merchants Bank.
What is the fund institution? What are the typical fund institutions?
Differences between banks, fund companies, securities firms and fund institutions in opening accounts.