Fund companies will be cheaper than banks, but fund companies can only buy one company's fund. Most of the fees charged by banks for buying funds are 1.5%, and brokers generally get a 60% discount for buying funds. CCB is one of the five largest banks in China and generally has no price advantage. Generally, small and medium-sized banks and brokers have more obvious advantages in terms of rates. The handling fee for buying a 20% discount fund on CCB's online banking generally varies according to the type and fund company, and the general subscription fee is 1.5%. CCB usually gives a 20% discount. If you want to buy from a fund company, it is generally 60% off, 1. CCB doesn't charge your handling fee directly, but the fund company charges the subscription fee. The subscription fee for Huaxia Bonus is 65,438+0.5%. That is to say, 500 yuan starts to buy, and 7.5 yuan starts to collect subscription fees. If you buy from online banking, it is 20% off, but you actually charge 6 yuan. In fact, only 494 yuan bought the fund. So what do you want the bank to make? In fact, banks charge fund custody fees from fund companies. This fee is deducted in advance before the net value is announced every day, and investors do not have to consider this fee. Because it is deducted from the net value, it is actually the investor's money, so I said that I didn't charge the investor directly, only indirectly. 2. In 500 yuan with fixed monthly investment, the subscription fee charged by fund companies is the same, which is charged every month. 3. Fund dividends include cash dividends and dividend reinvestment. The difference is that if you choose cash dividend, the fund dividend will be automatically transferred to your fund account in cash. This method is chosen to predict the decline in the market outlook and reduce losses. Because the fund share has not increased, the loss will be smaller. If you choose to reinvest in dividends, you are optimistic that the market outlook will continue to rise. Because the dividend of the fund company has been bought again, the share has increased compared with before, so the income will be even greater. There is no charge for the funds that choose to reinvest and buy dividends.