There are two kinds of funds: open-end funds and closed-end funds. Open-end funds can be purchased directly from the fund company's website (online banking is required) or through various banks. Closed-end funds must open stock accounts and buy like stocks. The fund is an expert in helping you manage your money. The minimum starting capital of the fund is 1000 yuan, and the fixed investment is 100 yuan.

Go to a bank or fund company to buy funds. Banks can act as agents for many fund companies, and specially open accounts to find bank financial counters. Securities companies also have agents to trade funds. After the bank opens online banking, there is a general discount for online shopping.

There are several ways to open an account:

The first type: bank counter

Deposit the money in the bank account, and then at the bank counter, the bank staff will help you complete the formalities of purchasing the fund.

Advantages: It is completely operated by a special person for you, which saves a lot of trouble in operating by yourself and is suitable for novices and the elderly.

Disadvantages: high rates, often do not enjoy discounts. There are few varieties, and a bank may only sell the products of a few companies at the counter. Need to queue up, wasting time and manpower

The second type: online banking or securities companies.

Both methods are suitable for online operation.

Online banking consignment is to enter online banking and buy funds provided by banks.

Securities companies sell open-end funds through the open-end fund module of securities companies' stock trading software, and trade with securities companies' margin accounts instead of directly using bank accounts.

Advantages: the rate is low and you can often get some discounts. There are many kinds, especially some large securities companies, such as Galaxy Securities, which can sell almost all kinds of funds on a commission basis. Online operation, worry-free and labor-saving, without queuing, suitable for office workers.

Disadvantages: Online operation requires customers' operating ability, and requires computers to have the ability to safely guard against Trojans and viruses. You need to open the online banking function or securities account first, which is complicated.

The third type: the fund company website.

Enter the website of the fund company, open an account and trade the fund by yourself through the online direct selling system. The premise is to open the corresponding bank card.

Advantages: the rate is the most favorable. Online operation is more convenient. The website of the fund company has detailed information and a detailed introduction to the fund. Fund-related functions are the strongest, and there are the most comprehensive functions to choose from, such as fund conversion function. The corresponding bank card does not need to open online banking.

Disadvantages: the product is single and limited to the products of fund companies. Online operation requires customers' operation ability and computers' ability to guard against Trojans and viruses. A fund company often only supports the bank cards of several banks, and it may be necessary to apply for savings cards of several banks to purchase funds of different companies.