Investors mainly purchase funds in the following ways:
1, fund company
Investors can go directly to the fund company official website to register fund accounts and conduct fund transactions. The cost of buying funds in this way is lower, that is, there is no middleman to earn the difference. However, investors can only buy the products of the fund company where the investor opens an account and the products of other fund companies, and need to open an account again.
2. Securities companies
Investors can buy funds through securities companies, both on-site funds through stock accounts and off-site funds through fund accounts. When investors buy OTC funds, they only need to pay a certain commission fee according to the turnover, which is lower than buying OTC funds. At the same time, some on-site funds implement T+0 trading mode, which makes trading more flexible.
3. Banks
In addition to saving money, investors can also buy some OTC funds through banks. The cost of buying off-exchange funds in banks is relatively high. In addition to the fund procedures, there may be a certain commission.
4. Third-party consignment platform
Investors can also buy through some third-party consignment platforms, such as Alipay, Love Fund and Tian Tian Fund Network. On these platforms, investors can only buy funds within the consignment scope of their platforms. The subscription rate discounts of these platforms are different, some may be 30% off, and some may be 30% off. Therefore, investors should try to choose a platform with more discounts when buying, which can save a good transaction cost.
So, where to buy it is more cost-effective?
From the cost point of view, it is more cost-effective for investors to buy OTC funds through fund companies, and it is more cost-effective to buy OTC funds through securities companies. But when investors buy funds, they should not only consider the cost, but also consider other aspects.