1. Depending on which banks, it will be cheaper to choose a medium-sized commercial bank, such as Xingye Guangda Guangfa Minsheng. Large state-owned banks will charge high fees. The advantage of buying in a bank is convenience and wide choice, because it is a consignment channel, or it depends on the bank you choose.

2. The handling fee you mentioned is also the front-end subscription fee. Whether a securities company gives a discount depends on which company it is and which fund you choose. You need specific consultation. The discount at this interest rate is not necessarily the same. It is not recommended to buy a brokerage fund, which is very troublesome.

3. The rate of buying funds directly from fund companies depends on which bank card you choose to bind, and the rates of several major state-owned banks will be high. This method is more convenient, and it is not much different from online banking purchase.

In other words, you need to consider your trading channels comprehensively according to your situation.

You can ask me any questions in detail.