If you buy online, the general front-end charging method is only 0.6%, but not all funds can buy online, such as Guangfa Market.
Why can't we trade directly? In fact, it is a truth. Just buy it on the website of Shanghai Investment Company through the bank card. The general subscription rate is only 0.6%, and the fees of different funds are different. But it is an indisputable fact that the cost of buying funds in banks is higher than other channels. Most of the fees charged by banks for buying funds are 1.5%, and brokers generally get a 60% discount for buying funds. CCB is one of the five largest banks in China and generally has no price advantage. Generally, small and medium-sized banks and brokers have more obvious advantages in terms of rates. The handling fee for buying a 20% discount fund on CCB's online banking generally varies according to the type and fund company, and the general subscription fee is 1.5%. CCB usually gives a 20% discount. If you want to buy in a fund company, it is generally 40% to 60%, depending on different fund companies. Some deduct money when buying, some deduct money when buying and selling, and some deduct money when selling. Online banking is a little cheaper than reality and can be discounted. In fact, if you don't care too much, the funds with less money can be divided into front-end charges and back-end charges. Front-end: the balance of the principal after deducting the handling fee is purchased according to the net value of the fund, and no handling fee is charged when redeeming. Back end; There is only a handling fee for redeeming the fund, but there is no handling fee for redeeming the fund within a certain period (it seems to be two years in China). It seems that the fee for buying funds online is lower, at least you don't have to queue up at the bank. As said upstairs, every fund company is different. Please check the website of the fund company for details.