What are the purchase channels of the fund?
Public offering funds are sold by fund managers and other institutions (hereinafter referred to as consignment agencies) that have obtained the qualification of fund consignment business, so we mainly have the following channels to purchase funds.
1 fund manager: refers to the fund company.
Institutions with agency qualifications: mainly including commercial banks, securities companies, futures companies, insurance companies, securities investment consulting institutions, independent fund sales institutions, etc.
It should be noted that not every institution sells all funds in the market. We can log on to Golden Hook official website or mobile APP for fund inquiry and transaction.
Where is the fund cost-effective?
Funds are divided into on-site funds and off-site funds, and the difference in rates between them is as follows:
1 on-site fund: most of the transaction fees are transaction commissions, which are generally between 2000 and 3000. Now the commission is generally 2500, but the lowest commission for a transaction is 5 yuan.
2 OTC funds: generally divided into two modes: Class A and Class C. Class A mainly collects subscription fees and redemption fees, while Class C mainly collects sales service fees and redemption fees. In terms of subscription fee, many platforms are 0. 1%, sales service fee is usually 0.25%, and redemption fee is 0.5%. According to the decreasing holding time, if the holding time reaches 7 days, the redemption fee rate is waived or reduced.
It seems that the rate of on-site funds is much lower. Usually, we also say that the on-site fund is more cost-effective, but it has the lowest 5 yuan standard. If it exceeds 5 yuan, it will be charged at the rate. Therefore, if the amount of funds is large, it will be more cost-effective to buy on the spot, and it will be more cost-effective if the amount of funds is small.