1. Buying funds from securities accounts is to buy funds through the agency channels of securities companies, and online direct selling is to directly generate transactions with fund companies.

2. Because the agency can represent different products of several fund companies, you can buy all the products sold by your securities company by buying the funds in the securities account, but online direct sales is not good. Opening an account in any fund company can only buy all its funds.

3. There are some differences in transaction costs, especially for stock funds. Generally speaking, in order to obtain customer resources, the subscription rate of fund companies is lower than that of consignment channels. Online direct sales subscription is generally 60% off, with a minimum of 0.6% off. Consignment agencies generally charge from 60% off to the full amount, which is limited to online subscription. The highest general stock type is between 1.5%-2%.

If you buy a bond fund, the rates of the two channels are basically the same, because the subscription rate of bond funds is generally between 0- 1.2%, and there is basically no discount.

There are also fees for fund subscription and redemption, that is, subscription fees and redemption fees, which are much higher than stock trading fees. The stock type is 1.5% to 2%, the bond type is 0 to 1.2% and the currency type is 0.

At present, there is indeed a bond fund whose subscription and redemption fee is zero. The fund charges a sales fee. So this fee has been deducted from the net value. If it is a short-term investment, it is recommended to subscribe for this bond fund. For example, E Fund Enhanced Bond B and China Merchants Aberdeen performed well.