How to buy a fund to save money?
I. Fund companies
Buying funds directly from fund companies is equivalent to factory direct sales. There is no middleman to earn the difference, and the subscription fee is very low. The subscription fee of some funds can be zero.
So how to operate? Every fund company generally has a current product similar to Yu 'ebao, which is linked to the money fund. In order to promote this money fund, the fund company will set corresponding concessions. Users can buy this monetary fund and then subscribe for other funds with the money in the monetary fund, which can be exempted from subscription fees.
You can purchase the fund of the fund company through the APP of the fund company or the official account of WeChat WeChat. It is more convenient to buy funds through the official WeChat account, and there is no need to download so many apps.
Second, the stock account
Funds that can be bought in stock accounts are called floor funds, and there are generally two kinds of floor funds, ETF funds and LOF funds. ETF fund is an index fund, which can be bought and sold at the same price as stocks, and can also be purchased or redeemed with a basket of stocks according to the net value.
LOF funds include active funds and index funds. LOF funds can also be bought and sold like stocks, bought or redeemed in cash.
The transaction cost of on-site funds is the same as that of buying and selling stocks, and the rate is determined by brokers. The stock commission is generally around 3000, and the rate is quite cheap.
Third, the third-party consignment platform
Representatives of third-party platforms include Alipay, Tian Tian Fund, An Teng Fund (Licaitong) and Egg Roll Fund (Snowball). Buying funds through these consignment platforms, the subscription fee is generally 1 discount, which is the most commonly used Alipay to buy funds. There is no need to download redundant apps, and the platform experience is good. The types of funds on the third-party platform are very rich, and the products of all fund companies are available, and the transaction rates are quite cost-effective.
Ok, here are three ways to save money by buying funds, hoping to help everyone. Warm reminder, the fund is risky, and investment needs to be cautious!