For consumers, it should be noted that financial management is a long-term behavior. Over time, everyone will become a master of making money as long as they are careful. For consumers, since the decision to buy funds online is to prepare for long-term investment, the handling fee for buying and selling funds cannot be ignored. Based on the stock fund with a fixed monthly investment of 10000 yuan, if the subscription rate is favorable, 90 yuan can be saved at most every month. Although it doesn't look like much, it can save 1080 yuan a year. If you have more money, you will save more money after a long time, and this is not the result of compound interest calculation.
Specifically, there are many ways to buy funds for small retail investors. First, offline purchase, that is, purchase at bank outlets. Its advantage is convenience. If you have any questions you don't understand, the bank staff will answer them for you. Its disadvantage is that it is the most expensive and there is no discount. The subscription rate of general equity funds is 1.5%, and the redemption rate is 0.5%.
The second way is to buy funds online. This method includes: online banking of banks, online trading system of fund companies and online trading system of securities companies. Of the three ways to buy funds online, the first two are better. Its advantage is that it is convenient and time-saving. As long as it can be traded online, the rates are basically favorable, with a minimum of 40% off. The premise is that investors should hold corresponding bank cards and open online banking services.
These three ways of buying funds online have different rates, and the order from low to high is roughly: online trading system of fund companies, online banking and online trading system of securities companies. The lowest cost is the fund company's online trading system. All fund companies have official website. After investors log on to their website, they will open the "online trading" page and apply for online trading step by step. By trading funds in this way, the lowest rate can be 60% off. Take the subscription rate of stock fund 1.5% as an example, and the lowest rate is 0.6%.
Finally, it should be noted that most online banking funds are also discounted, and the situation of each company may be different. For consumers, if they want to get a lower discount when buying funds online, they need to talk to the securities company.