Fund is one of the investment types with a wide audience. In the past, people used to buy funds at the bank counter. However, with the development of Internet finance, more and more young people buy wealth management products through Alipay's third-party Internet sales platform. What is the difference between a bank buying a fund and Alipay buying a fund?

1, purchase process

Buying funds through Alipay requires investors to download Alipay APP and open a fund account, which can be directly operated online. The processing speed is fast and the purchase process is convenient.

Investors who buy funds through banks can go to the offline outlets of banks to buy, but most banks have supported online banking and mobile banking to buy wealth management products, so investors can actually operate online when buying funds at banks.

2. Safety

For most fund products, both banks and Alipay play the role of consignment. Therefore, considering the security of the fund, the credibility of banks and Alipay is relatively high, mainly because the fund itself is safe.

When you go to the bank to buy, there will usually be staff members who will take the initiative to introduce fund products. Because each investor's risk tolerance is inconsistent, it is best to choose products rationally, and it is best to choose a fund whose risk level matches your own.

3. Transaction rate

The main expenses of fund transactions are subscription and redemption expenses. Under normal circumstances, the subscription rate for banks to purchase funds is 1.5%, and some banks will also give preferential treatment, but the preferential strength will not be great. Alipay's subscription rate is lower, generally around 0. 12%~0. 15%.

The above content about the difference between bank buying funds and Alipay buying funds, I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.