The newly implemented "Fund Law" broadens the channels of fund sales and gives birth to the fiery Internet fund sales. Obviously, the success of Yu 'ebao last year stimulated the enthusiasm of fund companies to touch the net. Tian Hong Fund took the lead in realizing the dream of small and medium-sized fund companies to counterattack with Alipay, and its sales exceeded10 billion in just one month.

Fund companies launch e-commerce channels.

However, the dream is always beautiful, because Taobao sells funds with fierce fees and does not let the old channels. According to Taobao's initial step-by-step charging method, based on the average daily possession, 200,000 yuan will be charged for selling below 1 100 million yuan, and 500,000 yuan will be charged for selling 65.438+0-300 million yuan. The more you sell, the higher the service fee, regardless of the stock type, currency type and bond type, which are uniformly included in the sales volume. Insiders pointed out that if the stock type is sold more, the fund company is still cost-effective, because the annual management fee is 1.5%, but if the monetary and bond products with low management fees are sold more, plus the back-office system and labor cost required by the fund company to maintain Taobao shop, it will be unbearable.

Nevertheless, fund companies have obviously gained something in the general direction of developing e-commerce. In recent years, regardless of size, almost all are accelerating the expansion of e-commerce channels. Taking Golden Eagle Fund as an example, the cooperative third-party payment companies include Alipay, Tenpay, Tiantian Win, UnionPay, Tonglian and Yifubao. Through these channels, the rate can be as low as 40%.

Buying an internet fund also depends on the fund management ability.

A related person of Golden Eagle Fund said that thanks to the relaxation of fund sales channels in the new Fund Law, it has indeed brought great opportunities to the industry, especially small and medium-sized companies. However, we should also see that the essence of the fund is to provide professional financial services, and the foundation of its development lies in stable and good management ability and innovative products.

Golden Eagle Fund also said that because the money fund is the least risky among similar wealth management products, the risk of Internet funds like Yu 'ebao is really small. However, with the introduction of stock-based and stock-bond mixed products, investors should understand the risks and be prepared, and consider the degree of risks and the level of managers in detail like traditional funds.