Field fund
On-site funds refer to funds traded in the stock market (secondary market), with five details, which investors can purchase through stock accounts.
Off-site funds
OTC funds refer to funds traded outside the stock exchange market. Investors can buy through consignment agencies (banks, Alipay and other third-party platforms) or directly through the fund company official website.
Investors can decide whether to buy on-market funds or off-market funds from the following points:
1, transaction cost
Investors need to pay a certain commission fee when buying OTC funds, just like buying stocks. Generally speaking, it is about three ten thousandths of the turnover. According to different securities companies, the standards are different. When buying OTC funds, the subscription fee that investors need to pay is generally around 1.2%. In terms of transaction costs, it is more cost-effective to buy OTC funds.
2. Time of receipt of funds
When an investor sells a fund in the market, just like selling a stock, the fund is deposited in the investor's securities account on the same day, and the investor can continue to invest with this part of the funds. If you withdraw cash, you need to wait until the next trading day. In the OTC redemption of funds, the arrival time is different according to the types of funds traded by investors. General money fund 1 working day, bond fund and stock fund 3-5 working days, qdii fund 7 working days. Judging from the time when funds arrive, it is better to buy on-site funds.
3. Risk
On-site funds are close to the market, trading is active, the quotation price fluctuates frequently for more than ten seconds, and off-site funds are quoted once a day. Comparatively speaking, OTC funds are less risky and more suitable for stable investors.
Investment is risky, so be cautious when entering the market.