The handling fee is very expensive. There is generally no discount on the handling fee for buying funds in banks, and the handling fee is more expensive than other platforms.
It takes a long time to collect accounts. Generally, it can be received within one working day after the fund is redeemed. When the fund is redeemed, the banking platform needs to deliver with the fund company, and it will be received after delivery (generally it takes 3-5 jobs).
1, the bank charges are high, and there are handling fees for purchasing and redeeming funds. In all fund sales channels, the bank's fund subscription fee is the highest, which will lower the investment income of investors in the long run;
2. The bank wealth management manager is not professional enough. After all, most of the fund products purchased in banks belong to the products launched by fund companies. A bank is more of a fund institution. For banks, the income from selling different funds is different. In most cases, banks will recommend fund products that are more beneficial to them.
3. In fact, in addition to buying funds in banks, you can also buy funds through third-party fund sales platforms, securities companies and fund companies. Among them, the handling fee of the third-party fund sales platform is relatively low; If you buy from a fund company, you can have a more direct understanding of the fund.
The most important point is that the handling fee for banks to buy funds is so-and-so treasure. Ten times a day, a fund with the same 10,000 yuan will cost you hundreds of dollars more than others to make money, and the time for banks to buy funds for redemption is particularly slow, spending an average of three to five days more than other direct fund software.
Secondly, as the old saying goes, the products recommended by bank employees are all task-related, and no one will be ungrateful. Of course, which product will sell at a high cost, and most financial managers have limited level. How can they be responsible for your income? Whether you earn it or not, they make a lot of money anyway.
6. In a word, professional things should be left to professional people. Go to the bank and save money honestly. Don't trust others' recommendation, you will lose your own money.