1, trading channel
On-site funds need to open securities and stock accounts and use stock trading software to subscribe. OTC funds can be purchased directly through fund companies, bank counters, brokers and third-party fund sales platforms without opening an account. From the perspective of trading channels, it is more convenient to buy off-exchange funds than on-exchange funds.
2. Transaction rate
Over-the-counter transactions removed the single minimum 5 yuan handling fee. Generally speaking, the rate of OTC funds is lower than that of OTC funds. If it is a short-term investment, the on-site foundation has an advantage. However, if it is a long-term investment, most of the foreign funds in the market can be exempted from redemption fees, so there is little difference in transaction rates. However, for the same type of funds, such as OTC funds, it will be more advantageous to choose fund products with lower commission rate.
3. Fixed investment of the fund
Funds can be purchased in one lump sum or fixed investment. One-time buying is risky and speculative. Many investors who pursue stable expected returns or for the purpose of saving will choose investment funds. Both on-site funds and off-site funds support fixed investment, but the fixed investment of on-site funds needs to be purchased manually by investors, and the system will not automatically deduct money. Therefore, the operation of fixed investment of OTC funds is simpler than that of OTC funds.
What is better, OTC fund or OTC fund? I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.