1. Official channels of fund companies:
Introduction: Since the fund is issued and managed by the fund company, it can definitely be purchased from the fund company.
Advantages: the information is updated in time. Such as daily net worth, major announcements, etc. Official website is updated in a timely manner;
Disadvantages: Less products. Generally, there are only funds managed by their own companies; Expensive handling fee: subscription fee/subscription fee has almost no discount, while other channels have the lowest discount 1%, even 0 yuan subscribes; Poor experience: Most fund companies have poor experience in official website and can't keep up with the UI design trend.
Suggestion: Ordinary investors are not advised to trade funds directly in official website, which has almost no advantage. If you do fund conversion under the same fund company, you can consider it.
2. Banks
Introduction: that is, purchase funds through banking channels such as offline outlets, online banking and mobile banking.
Advantages: There are many offline outlets. Bank outlets are all over the country, making offline purchase convenient; Rich products: the bank sells the products of several fund companies on a commission basis.
Disadvantages: poor online platform experience. Because safety is the first priority, the experience of bank online banking system has been very poor, as has the mobile APP; The steps of online banking are cumbersome, and using online banking transactions requires inserting some equipment such as U shield, which is cumbersome; The transaction cost is high, the subscription rate is generally high, and there are fewer concessions.
Suggestion: The advantage of banks is that there are many offline outlets, which are more suitable for investors who can't use computers and mobile phones, as well as elderly investors.
3. Broker
Introduction: Purchase funds through securities accounts opened in securities companies.
Advantages:
A. High security: Due to strict supervision, brokers will hardly have financial problems, let alone run away, and the compliance is also in place;
B. Online account opening: Now almost all brokers can directly open accounts online through websites and apps, without going to the offline sales department; You can buy on-site funds: you can buy closed-end funds, ETF funds and LOF funds, and you can only buy them through brokers; Differentiable arbitrage: arbitrage by using the price difference between the primary market and the secondary market.
Disadvantages: opening an account is more complicated: there are many steps, which require ID photo, video verification and risk assessment; High transaction costs: subscription rates are generally high, and the concessions of major brokers are different.
Suggestion: I suggest that you prepare a securities account, which is mainly used to buy on-site funds, which is more convenient. At the same time, you can also participate in the reverse repurchase of government bonds, money funds, and later stock trading and other investment methods.
4. Third party platforms
Introduction: Online purchases of third-party platforms, such as Tian Tian Fund Network, Ant Fortune, JD Finance and Straight Flush Fund, all belong to third-party platforms.
Advantages: simple account opening: generally register an account, bind a bank card, and trade after real-name authentication; Convenient transaction: in the third-party website APP, the transaction is convenient and fast; The rate is low, the subscription fee is generally 1%, and the experience is better. The advantages of internet companies make products closer to users.
Disadvantages: compliance issues. Some three-party platforms have security problems, and theoretically there is a risk of personal information leakage, but large well-known platforms have done a good job in this regard.
Suggestion: Try to choose a well-known big platform, and choose one with lower subscription rate under the same circumstances.
Extended data:
Buying an open-end fund may incur various expenses, and the following are the most common expenses:
1, Subscription fee: Subscription fee is like a toll on the road. Buying a fund needs to compensate a series of handling fees, and it needs to compensate the expenses incurred by the sales organization in handling the fund transaction procedures.
Take a fund 1 000 yuan as an example. If the subscription rate of the fund is 1.2%, the net value of the fund today is 1.6 yuan. Then the final confirmed share is 6 175.89.
6175.89 *1.6 ≈ 9881.42, and the missing 120 yuan is the subscription fee of the Fund.
The calculation formula of subscription fee is: net subscription amount = subscription amount /( 1+ subscription rate).
2. Subscription fee: subscription fee is required for purchasing shares before the establishment of the fund. The purchase amount is different, and the corresponding rates are also different.
3. Redemption fee: If you want to sell your share within the effective duration of the fund, you need to pay the redemption fee.
4. Management fee, custody fee and sales service fee.
References:
Baidu Encyclopedia-Fund subscription rate