Where is the most cost-effective way to buy index funds?
If the amount of funds is large, it is more cost-effective to buy in stock, and if the amount of funds is small, it is more cost-effective to buy out in stock.
The differences between off-site and on-site rates are as follows:
1 On-site fund: The transaction fees are mostly trading commissions, generally ranging from 20,000 to 50,000, with the lowest 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 0.25%, and redemption fee is 0.5%. According to the decreasing holding time, if the holding time reaches 7 days, the redemption rate will be exempted or reduced.
It seems that the rate of funds in the venue is much lower, but there is a minimum 5 yuan standard. If it exceeds 5 yuan, it will be charged according to the rate, so that is to say, the funds can be charged according to the rate only after reaching a certain amount; If the rate is five ten thousandths, then the transaction amount needs to be greater than 1 ten thousand yuan to enjoy the low rate. You might as well calculate which of the two methods is lower according to your own amount of funds, and then choose the appropriate investment method.