(1) The fee rate for buying funds on bank websites is not high, but lower.
(2) Reason: Buying on the fund company's website is equivalent to direct sales. There is no bank intermediary. Of course, the rate is cheaper.
Things to pay attention to when buying funds: (1) If you plan to invest in a long-term investment, it is best to choose a fund with back-end fees.
There are two charging methods for funds: one is front-end charging, which is the default one. It means that you have to pay a proportional handling fee when you buy every month, which increases the cost of fixed investment.
(2) If you buy it over the counter at a bank, the handling fee is 1.5%. If you buy it through online banking, the handling fee is 30-20% off. If you buy it on the fund company website, the handling fee is as low as 40% off.
There is also a redemption fee ranging from 0.25-0.5% when redeeming.
There is also a back-end charge, that is, there is no handling fee when buying every month, but the holding time must reach the time specified by the fund company (ranging from 3 to 10 years) before redemption, and there is no handling fee. Long-term
You can save a lot of handling fees.
Therefore, it is best for fixed investment funds to choose funds with back-end fees.
Not all funds have a back-end.
(3) Change cash dividends to dividend reinvestment, so that if the fund company distributes dividends, the cash will automatically repurchase the fund, and there will be no handling fee for the purchased fund.
(4) If you have no money to make fixed investments this month or the market has risen very high and the fund price is also very high, you can also stop investing for one to two months, which will not affect future fixed investments, but do not stop investing for three consecutive months.
If investment is suspended for three consecutive months, fixed investment will automatically stop.
(5) When the stock market is in a bull market, the fund also rises a lot. At this time, the investment can be appropriately reduced. If the stock market is in a bear market, the investment can be appropriately increased to increase the fund share.