There are two common channels to buy open-end funds: one is the third-party fund consignment platform, such as banks, securities companies and Alipay, which has emerged in recent two years; The second is online direct sales, which is purchased directly from fund companies through the Internet.

Banks are the most common and important channel for consignment funds. The biggest advantage of buying funds through banks is convenience. Bank outlets can be seen everywhere. With the promotion of paperless office, more and more business of banks can be handled through mobile banking. Whether you want to communicate face-to-face with the financial manager or buy a fund without leaving home, it is very convenient.

However, the funds sold by banks are generally limited. If you want to build a complete fund portfolio, the funds sold by banks may not meet your needs. And if you buy at the bank counter, you must pay attention to whether the financial manager gives it to you from the perspective of your personal needs, not because of the bank's sales tasks.

The advantages and disadvantages of securities companies and banks buying funds are similar. There are not many options for funds, and there are many options for securities companies to bind bank cards. You can bind a bank card as a special financial account, and you can buy stocks or funds. However, the cost of buying Public Offering of Fund through securities account will be higher than other channels. Most fund subscription fees from other channels are 10% off, while brokers rarely get 10% off, and many of them are 50% to 70% off.

Other third-party fund platforms, such as Tian Tian Fund. This kind of platform is also my personal favorite platform. General funds have the most comprehensive types and the lowest cost. I can adjust my fund portfolio at any time, without worrying about finding a suitable alternative fund. However, such a platform can only be used for fund investment.

Direct selling by fund companies has some advantages. The first is cheap, which is the most cost-saving way in all channels. Of course, its disadvantage is that the variety of funds is limited, and it can only buy funds under the fund company, which is not conducive to diversified investment to some extent.