Use your bank card to handle three parties.
Then buy the fund in the account of the securities company.
The advantages are obvious:
The net value of the fund is directly checked on the trading software, which is more convenient than the bank;
Sometimes the handling fee is cheaper than the bank, and even the funds launched by their own brokers are exempt from the handling fee of 1.2%. Save a lot of money.
All funds in the market can be bought in securities accounts. Including stock type, currency type, bond type and even repurchase, such as GC00 1.
Now, the answer to your question is as follows:
It is recommended to go to a securities company to buy funds, with preferential intermediate fees and even free handling fees. It should be noted that not all brokers can buy funds. For example, some small brokers can't buy funds. The small brokerage firm I used to stay in didn't. Guotai Junan, where we are now, belongs to a large national brokerage firm, and almost all products are available on the market.
The type of fund depends on your personal situation.
① Money Fund: If you have a lot of money, such as 654.38+0 million, you can buy a money fund. Some products have an annualized rate of 4.5%, with daily interest. Then if you deposit it for one day, there will be interest of 123 yuan. Moreover, the money fund does not charge uniformly. However, if you have less than 50,000 yuan, you can only deposit it in 6 yuan one day. ...
The calculation formula is simple. Divide the annualized rate of return by 365 and multiply it by your capital, which is the interest of 1 day.
2 Bond funds: Compared with deposit banks, they may outperform CPI, but the income is limited and the amount of funds is small. If they keep it for one year, they will have more than 10%, which is definitely luck. The general income is only about 4%. I remember that 20 10 has a long-term debt and the income reaches 15%. This is not normal, not the same.
3 equity funds: the risk is the same as buying stocks. When the market falls, the risk is even greater than the stock. Equity funds are basically in line with market trends. It would be very good if you could buy something that outperformed the market. The so-called "potential foundation" requires personal operation.
Because equity funds are in line with market trends. If the price difference is not made, 20 10 will almost lose money, because the market has fallen by 14%.
Therefore, equity funds must be high and low. It is recommended to use the MACD indicator of the K-line in the market week to operate, and the golden fork is purchased and redeemed. However, the handling fee of the fund is often very high, generally 1.2%, or even 1.5%. The cost of making the difference is too high.
Equity funds, such as ETFs, are also divided and belong to index funds, which are completely synchronized with the broader market. You can buy and sell like a stock, and the handling fee is very cheap, usually a few ten thousandths, not a few percent. You can do something.
(Sometimes, you will hear about ETF arbitrage, but in practice, it is generally more than 3 million. The arbitrage of Guotai Junan is about 14% at most one year. This belongs to risk-free arbitrage. It is different from ordinary fund operation. )
If it is an open-end fund, it is an LOF fund. It depends on what stock the fund is, sometimes it is a large-cap stock and sometimes it is a small-cap stock. But these are of little practical significance. Because, what follows is the market of large-cap stocks or small-cap stocks, and no one knows.
If you don't have a lot of money, it is recommended to buy stock funds according to the market. I have been making a profit for a long time since 2007.
Alas, you seem to have written so much. Give some points. This is all original.
Otherwise, if you are in Shanghai, you can come to me to buy funds. I am Mr Gao from Guotai Junan 02 1-68755663.
Thank you ~ ~