Answer your first question first, (1) "Log in to the website of the fund company to subscribe for the fund, enter the product and amount of the fund, and the online banking payment window will pop up. Enter the payment password and Ukey password to complete the payment. Do I have to pay a handling fee? "-this belongs to the fund company's online direct selling and online payment methods. Whether the fund subscription fee will generate other expenses depends on your bank card in the payment process. Some bank cards require a transfer fee. This situation mostly occurs in bank cards (Industrial Bank, etc.) that use UnionPay to transfer money. ), but CCB and ICBC do not need it. Just confirm the rules of online banking transfer with the bank customer service.

(2) "If there is a bank consignment fund, log on to the bank website, select the fund and the amount to be purchased, and complete the subscription." -this does not belong to the fund company's direct sales. It is a consignment agency to buy funds. Whether the fund interest rate is discounted depends on the bank.

Generally, you can open an account directly on the fund company's website, which is regarded as online direct sales of the fund company, but different bank cards can enjoy different rate concessions for online payment; At the same time, fund companies can provide more preferential ways for investors by launching remittance payment on their own websites. For example, you can enjoy a discount of 20% on the fund company's website at present, but if you pay by remittance, there is no restriction on bank cards, and no matter what bank cards are paid by remittance, you can enjoy a lower discount (such as 40% off). This is also good for fund companies, because the remittance payment subscription method will get less commission from the bank. However, remittance payment subscription also has disadvantages, for example, remittance transfer is generally not real-time, unlike online banking direct payment, and the fund subscription entrustment before 3 pm on the trading day will be settled according to the entrustment of the day. Remittance payments generally involve transfer fees. Each fund company offers different discounts, please confirm them through their customer service. I wish you a happy investment ~