The on-site transaction fee will be cost-effective only if the on-site fund purchase reaches a certain amount. Because in addition to the commission rate, many brokers also have the lowest commission requirements, generally the lowest 5 yuan. Moreover, the commission mentioned is about 2.5 million. Only when the transaction amount is more than or equal to 20,000 can you really enjoy the commission of 2.5 million.

Although the handling fee for on-site fund transactions is the same as that for stocks, only commission is charged, and there is no transfer fees and stamp duty. At present, the broker's commission is around 25 thousand. In other words, buying a 10,000-yuan on-site fund only requires 2.5 yuan's handling fee. But this is not the case. Please refer to the following example:

Take lof Fund "South Active Allocation Mix (160 105)" as an example, the on-site subscription fee is 0.025% (the lowest commission is 5 yuan), and the off-site subscription fee is 0. 15%. Calculated as: 5 yuan ≤ OTC subscription amount *0. 15%, OTC subscription amount ≥ 30.

Considering the handling fee between on-site and off-site, the purchase amount of on-site funds must be 3333 yuan to be cost-effective. If the actual commission of 2.5 million is taken into account, then the single purchase amount must be more than 20 thousand.

For example, Xiao Li's commission for opening an account in a brokerage firm is 12.5 yuan, but the minimum commission required by the brokerage firm is 5 yuan. In other words, if Xiao Li's transaction amount is below 20,000 yuan, he will get a commission from 5 yuan. Only when the transaction capital is greater than or equal to 20,000 can you really enjoy the commission of 25,000.