You can buy them all, and you should choose the right channel according to your investment needs. However, if you are a novice, I suggest you buy it with Alipay first. First, you don't need to open an account. Second, you don't need to stare at the market all the time, you can start to vote. First, the channels for buying funds mainly look at three aspects:

1, service: mainly depends on what kind of fund you buy. If you want to trade OTC funds, you must open an account with a securities company;

2. Rate: Usually, the rate of securities companies will be higher than that of fund companies, and the rate of third-party platforms (platforms other than banks, such as Tian Tian Fund Network, Haobu Fund Network, Ant Wealth, etc.) will be lower; Reduce the cost as much as possible and choose which rate is lower;

3. Convenience: To open an account in a fund company, you can only buy one company's fund. If you open an account in a securities company or other channels, you will have more choices.

Second, the difference between OTC and OTC funds:

There are differences between domestic funds and OTC funds in trading places, trading rates and trading prices. In terms of transaction price, the transaction price of on-site funds is the published price that changes in real time, while the transaction price of off-site funds is fixed.

1. Different trading places: On-site funds refer to funds traded on the exchange. There are more channels for the purchase and redemption of OTC funds, including banks, brokers and third-party financial platforms.

2. Transaction rate: OTC funds are purchased through a third-party financial platform, and the general subscription fee is 10% off, and the redemption fee is determined according to the holding time. Generally, the shorter the holding time, the higher the redemption rate. The trading fee of the on-site fund shall be executed according to the commission rate signed by the client and the brokerage firm. Whether to cancel the single minimum 5 yuan limit?

3. Transaction price: The transaction price of on-site funds is the published price that changes in real time, while the transaction price of off-site funds is fixed.

4. Different thresholds: Compared with the minimum investment of OTC funds 10 yuan, OTC funds have higher thresholds and need to start first. If you buy an ETF over the counter, you need 1 10,000.

5. Arrival time: On-site funds can be sold T+ 1 day after purchase, and the funds can be used after the transaction is successful. Generally, OTC funds can only be redeemed after T+2 days after purchase, and the time for funds to arrive is generally T+ 1 to 7 working days.

6. Dividend method: On-site funds only receive cash dividends, while off-site funds can receive cash dividends and reinvest the dividends.