Buying a fund is a risky investment behavior. Funds are divided into money funds, bond funds, hybrid funds and equity funds according to the degree of risk. The higher the income, the higher the risk. What kind of fund is good depends on your personal risk tolerance. If you are a young man with a stable job and strong ability to resist risks, it is suggested to choose stock funds to seek high returns, such as Harvest 300 and Rongtong 100. If your risk tolerance is average, you can choose hybrid funds, such as Huaxia Bonus, Yin Hua Preferred, Harvest Select and Guo Fu Tian Rui. For the elderly with poor risk resistance, it is suggested to choose bond funds with low risk, such as Yin Hua Zengli, Guo Fu Tian Li and Huaxia Cash Zengli. In this way, we can also seek better returns in the market. We can compare the benefits of that kind of purchase. At present, there are three main channels to buy open-end funds. The cheapest is floor trading: securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 540 open-end funds. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds. Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds. Three. Open a securities account and apply online at home without going to the bank. Some securities companies say that we have preferential policies for buying funds: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth Guangfa small-cap funds, can also buy index funds, that is, six ETF funds, such as Yifangda Shen 100 ETF Huaxia SSE 50 and AIA Dividend ETF, have low cost advantages, and the handling fee for buying and selling funds in securities companies is 0.3%.