What is the difference between buying funds from a bank and opening online banking to buy directly from a fund company?

1. The subscription fee for buying funds from banks is 100%, while most online banks charge 80%.

2. You can only buy funds from the bank during bank business hours, you have to queue up, and you cannot buy after 15:00. Buying funds through online banking can be done 24 hours a day, so there is no need to queue. However, if you buy through online banking after 15:00, the net value will be calculated based on the next trading day.

3. To buy funds from a bank, you need to get a passbook, ID card, etc., but to buy funds from online banking, you only need to click the mouse.

4. Buying funds through online banking can be fast and flexible. For example, if you judge today's market trend before 15 o'clock, you can make quick decisions. Achieve selling high and buying low.

5. If you open a fund company’s online banking, you can only buy the company’s products. If you use ICBC, China Construction Bank, etc.’s online banking, you can buy funds from various companies, which is more convenient.