Stock trading fees include: commission, stamp duty and transfer fees. The commission shall not be higher than 0.3 ‰ of the transaction amount, and the minimum 5 yuan for a single transaction. Stamp duty is 1‰ of the transaction amount at the time of transaction, and transfer fees is 0.2 ‰ of the transaction amount. Fund transaction fees include subscription fees and redemption fees. The subscription fee is generally 1%- 1.5%, and the redemption fee is generally around 0- 1%, which varies from fund to fund. In the stock market, the transaction cost and time cost of funds are higher than those of stocks. Count the handling fee in the cost. Fund handling fees mainly include subscription fees and redemption fees, and other indirect expenses are included in the operating costs of the fund.

The differences between stocks and funds are as follows:

1. Different issuers: stocks are certificates issued by listed companies, and investors call them shareholders of listed companies after buying stocks, while funds are collective asset management plan products issued by fund companies, and investors call them share holders after buying them.

2. Different risks: The risks faced by stocks include liquidity risk, systemic risk and operational risk of listed companies, while funds are equivalent to buying a basket of stocks, so the main risk comes from the management risk of fund managers, so the risk of stocks is higher than that of funds.

3. Different returns: stocks are accompanied by high risks and high returns; The risk and return of the fund are relatively moderate.

4. Different trading places: stocks can only be traded on the floor, and funds are divided into on-site funds and off-site funds according to different issuance methods.

5. Different investment methods: buying stocks requires investors to analyze and grasp the buying and selling points themselves; Buying a fund is to hand over the funds to the fund manager for investment. The fund manager is more professional and can better grasp the buying and selling points.

Which is riskier, funds or stocks?

The risk of stocks is much greater than that of funds, but the income obtained is often proportional to the risk. It is conceivable that retail investors can only buy one or several stocks because of limited funds. At the same time, because ordinary investors lack professional technology and experience and well-informed news channels, stock selection is risky. If you choose the wrong stock, the loss may be great.

Funds are different. Fund companies have a lot of money in their hands, buying dozens of stocks, and the funds are operated by expert teams. Expert teams have more experience and more information than ordinary investors. It can be said that the fund has the scale of funds, technical advantages and better risk control, so the risk of buying a fund is smaller than that of stocks.