1. Advantages: the subscription fee for new funds is generally 1.0- 1.2%, and the subscription fee for old funds is 1.5%. But now many third-party platforms have great discounts and promotions.

2. Disadvantages: The biggest disadvantage of the new fund is the lack of historical reference data.

Second, the old fund:

1. Advantages: The old fund has a heavy position and can keep up with the rhythm in time when the bull market rises. On the other hand, the new fund has a small position, which may miss the opportunity and lead to the old fund not winning.

2. Disadvantages: If the adjustment of the securities market continues to decline, it will inevitably face higher adjustment costs and re-selection costs.

Extended data:

Precautions:

Buying old funds in the bull market has certain advantages. In the bear market, old funds have basically closed their positions, especially large-scale funds, and it may be difficult for fund managers to adjust their investments. At this time, the new fund can obtain stable income by delaying the opening of positions or changing the investment direction to buy bonds, so it can be considered to give priority to buying new funds in the bear market.

Generally speaking, it takes 1 to 6 months to open a position after the new fund is issued. During this period, because the proportion of stocks in fund assets is from low to high, the net value of new funds is generally relatively stable at the initial stage of establishment, which fluctuates slightly with the stock index, while the old funds have completed the opening of positions and the proportion of stock investment is high, so the net value fluctuates greatly with the stock index.

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