Each has its own advantages. In the current region, fixed investment can seek long-term returns in the market, and new shares can also seek safer returns. The monthly fixed investment does not need too much, and it can be carried out on a monthly basis, which is similar to the deposit and withdrawal nature of banks. However, it is not easy for small-cap stocks to win the lottery when applying for new shares. It is easier to win the lottery only if there are about 500- 1 10,000 funds in the account, while it is easier for large-cap stocks to win the lottery.

Buying a fund belongs to investment and financial management, which belongs to venture capital. There is the possibility of making money, but also the risk of losing money at any time. However, as a long-term investment tool of the public, the fund can earn about 65,438+00% market income every year. Novices can buy, sell or invest in securities companies or banks with their ID cards. At present, there are three main channels for buying and selling open-end funds, and the cheapest is floor trading:

Securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 540 open-end funds.

One. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.

Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds.

Three. Open a securities account and apply online at home without going to the bank. Some securities companies say that we have preferential policies for buying funds: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth Guangfa small-cap funds, can also buy index funds, that is, eight ETF funds, such as Yifangda Shen 100 ETF Huaxia SSE 50 and AIA Dividend ETF, have low cost advantages, and the handling fee for buying and selling funds in securities companies is 0.3%.