For novice investors, they usually buy funds through banks, because many people think banks are safer and more trustworthy. But it is not recommended to buy a bank fund, so why not buy a bank fund?

Why not buy a fund in the bank?

1. The bank is not a fund company or a brokerage company, and it provides services for wealth management products, and its professional level is not enough;

2. Banks are the sales agents of funds, and there are fewer types of funds;

3. Buying a fund in a bank has a high service fee;

4. It takes a long time for the fund to be redeemed;

When banks buy funds, it is easy to mistake insurance for funds and deposits.

The difference between bank deposits and buying securities.

1. According to different types of punishment, funds can be divided into on-site funds and off-site funds. The place here refers to the market where stocks are traded through securities. Funds purchased by securities trading software belong to on-site funds, and bank channels belong to off-site funds;

2. Different investment rules: funds purchased by securities are similar to stocks in investment; Funds purchased by banks are traded at net value, and the net value is published once a day;

3. Most funds for securities purchase are passively managed, while funds in bank channels are generally actively managed.

This article is mainly about why you don't buy a bank fund. The content is for reference only.