Funds have now become a hot topic of investment. Whether to buy a fund, which fund to buy and how the fund returns have gradually become the topic of friends' chat. Although more and more people buy funds now, there are still many people who don't know through what channels to buy funds, and they don't know that funds can be divided into on-site funds and off-site funds according to different purchase channels. Let's take a look today.

First of all, there are generally four specific channels for fund investment:

1, securities companies, that is, everyone buys funds with their own stock accounts;

2. Banks, mainly on a commission basis, can buy funds on the bank APP or directly at the bank counter;

3. Fund companies generally sell their own funds, and investors can open OTC accounts to purchase funds;

4. Third-party consignment platforms, such as Tian Tian Fund, WeChat Finance, Alipay and other Internet platforms.

These four channels are only securities companies, that is, the funds purchased with securities accounts belong to OTC funds, and the others belong to OTC funds. The "market" mentioned here refers to the securities trading market. At present, most novice investors choose to buy funds on third-party platforms, and buying funds on Alipay once set off a financial upsurge.

So what's the difference between buying funds through different channels? The trading prices of on-site funds and off-site funds are different. The purchase of on-site funds is based on the market price, which fluctuates up and down in one day. After buying it, there may be a profit or a loss, just like buying and selling stocks.

However, OTC funds have only one price a day and cannot be bought and sold like stocks. The net value of a fund is its price, which can only change in the new trading day.

Securities accounts can be used for many purposes. Besides buying on-site funds, they can also buy and sell stocks, bonds, reverse repurchase of government bonds and so on. Moreover, there are exclusive cooperative brokers in the class, and they also enjoy exclusive low commission account opening benefits.

It is suggested that novice investors who have not yet opened a securities account can conduct on-site trading through the securities account as soon as possible!