Disadvantages: Trading funds in the bank (1) also has disadvantages. Funds sold by banks usually have no preferential rates, which invisibly increases the cost of investors; (2) If you need to go to the outlet in person, you must do it at the time specified in the working day; (3) The types of funds sold by banks are limited, so it is difficult for investors to buy more than one fund in one bank; (4) Banks basically sell new funds, and the scheduling cycle changes frequently.