1. fund company official website, disadvantages: 1) online banking must be opened; 2) It is not convenient for the fund to make a fixed investment. At the same time, it is necessary to register on the websites of many fund companies, and some funds cannot make fixed investment; 3) If the bank card is lost, it is very troublesome to change the bank card account number (see Fund official website for details); Advantages: the subscription rate is low, the front-end charge is generally around 0.6%, and the back-end is the same;

2. Counter of bank business hall, advantages: safety and security, convenient fixed investment and various types of funds; Disadvantages: 1) time limit, the transaction must be carried out at 9:30- 15:00 on working days (except legal holidays and stock market closing time); 2) Running back and forth to the bank sometimes requires queuing, which wastes time; 3) The rate is a little higher than that in official website. The front-end charge is generally 1.2- 1.5%, and so is the back-end.

3. Online banking, advantages: 1) Safe and secure. Although online banking is used, some banks do not actually need to open the online banking transfer and remittance function, so there is no need to worry about affecting the security of funds in bank cards when trading or investing in funds or operations in Internet cafes; 2) It is convenient to buy or invest in funds (as long as there are computers and networks), and there are many types of funds; Disadvantages: 1) Must have knowledge of network and computer and simple computer operation; 2) Some banks must open online banking. 3) The rate is the same as the bank counter purchase;

4. Mobile WAP online banking, advantages: In addition to using online banking for fund transactions, it is more convenient and fast to make fixed investment or fund transactions, especially without computer investment; Disadvantages: 1) You must have a mobile phone with Internet access and WAP (monthly subscription is recommended); 2) Some mobile phone banks have a monthly fee, and CCB mobile phones are exempt from a three-month monthly fee; 3) Most banks can't invest in mobile banking. At present, only CCB, ICBC and China Merchants Bank have this business; 3) The rate is the same as the bank counter purchase.

5. Other purchase methods, such as securities shareholder card, telephone banking, fund direct sales office, etc. Tips: It is most important to choose the purchase method that suits you. Avoid choosing the purchase method that doesn't suit you because the greed rate is too low or the discount is actually very favorable, which will bring unnecessary trouble to future investment.

2. Basic procedures for recommending trading funds. It is suggested to use online banking to purchase investment funds, and the process is as follows (taking construction as an example, the process of other banks is basically the same, please consult customer service phone or lobby manager of business hall for details) 1. First, go to the bank to apply for a bank card or an existing bank debit card. It is recommended to use a bank card that is convenient for deposit or payment of wages;

2. On trading days (Monday to Friday 9: 30- 15: 00, except for public holidays and other A-share closed days), bring my ID card and bank card to the bank counter to apply for online fixed investment of funds (some bank cards do not need to open online transfer and remittance function, so the funds are safer). If you don't have a bank card, you can apply for a bank card and open a fund business at the same time;

3. After signing the fund business, register in the bank online banking, then open the fund account in Internet online banking or mobile online banking, and then set the name/date/amount of the fixed investment fund. Generally, the minimum fee for a fixed investment fund is 100-300 yuan per month, or you can buy the fund directly, with a minimum of 1000 yuan;

It is easier to redeem (sell) the fund. After logging in to online banking or mobile banking, click Redeem (3-7 working days after redemption is confirmed, only QDII takes a long time).

5. Inquire about fund net value/share/profit and loss/position details, etc. , and you can log in to the online banking for inquiry. Tip: If you need to inquire about the fund code/name/fixed investment amount limit/rate/specific operation method, you can go to online banking or call the customer service hotline for consultation. Two. When are the net value and accumulated net value of fund units? The net value of the fund unit refers to the actual net value of the fund on the same day after deducting the management fee; Cumulative net value refers to the cumulative net value since the establishment of the fund. If there is no dividend or other distribution, the cumulative net value will be equal to or greater than the current net value, and it is also an important reference standard for selecting funds. Good luck with your investment! Net value of fund unit: the net value calculated at the time of transaction, after deducting the dividend value. Cumulative net value of the fund: the net value including the dividend value since its establishment, which is used to examine the historical performance of the fund. The so-called "net" means that all management fees have been deducted except the subscription fee and redemption fee of the transaction. The unit net value of the fund, like the stock price, is the price on the inquiry date. The value obtained by subtracting the unit net value from the accumulated net value is how many times the fund you inquired has paid dividends. Three. How to determine the income of the fund? Ask where to buy it. You can see the share and income of the fund.