1. Which institutions can buy money funds?
In China, institutions that can purchase money funds include banks, fund companies, securities companies, insurance companies and third-party payment institutions. Among them, banks are the most common institutions to buy money funds, because banks have a wide range of outlets and product sales windows, which can easily provide customers with money fund purchase services. At the same time, fund companies, securities companies and insurance companies can also provide customers with money fund sales services, while third-party payment institutions provide customers with money fund purchase channels through mobile payment. It should be noted that the money funds sold by different institutions may be different, and investors should choose the purchase channels according to their own needs and risk tolerance.
Second, how to choose the purchase channel?
When choosing the purchase channel of monetary funds, the following factors should be considered:
1. output
There may be some differences in the yield of money funds sold by different institutions, so investors should choose stable and reputable sales channels to ensure stable money funds.
2. Handling fee
Money fund fees are different in different sales channels, so investors should choose channels with reasonable fees to avoid reducing income due to high fees.
3. Risk control
Investors should choose sales channels with risk control ability to ensure that the risks of the money funds they buy are controllable.
4. Quality of service
When choosing the purchase channel, we should also pay attention to the after-sales service quality of the channel to avoid affecting the rights and interests of investors because of poor after-sales service.
Third, how to buy a money fund?
Generally, the process of purchasing a money fund is to select the sales channel → fill in the account opening information and carry out real-name authentication → select the money fund to be purchased → enter the purchase amount and confirm the purchase transaction → wait for the money fund share to arrive. The specific process may be slightly different according to different sales channels, but the basic steps are roughly the same. It should be noted that investors should carefully understand the purchase process and precautions of each sales channel to ensure the smooth purchase process.
To sum up, we need to pay attention to the selection of sales channels, the purchase process and the related risk control when purchasing money funds. Investors should choose appropriate purchase channels and money fund products according to their own needs and actual conditions, so as to achieve safe and effective investment results.