Personally, it is safe to buy funds online, but it is more reassuring to buy them through safe channels.

Fund sales can be conducted through the websites of fund sales organizations such as fund companies, banks and securities companies, and other third-party fund sales platforms such as Alipay, WeChat, Tian Tian Fund and Egg Roll Fund.

According to different standards, securities investment funds can be divided into different types: according to whether the fund share can be increased or redeemed, it can be divided into open-end funds and closed-end funds.

Open-end funds are not listed and traded, but are purchased and redeemed by banks, brokers and fund companies, and the fund scale is not fixed; Closed-end funds have a fixed duration and are generally listed and traded on the stock exchange. Investors buy and sell fund shares through the secondary market.

According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund;

The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. China's securities investment funds are all contractual funds.

Open-end fund refers to an investment fund whose scale is not fixed, but which can issue new shares or be redeemed by investors at any time according to market supply and demand.

Closed-end fund is relative to open-end fund, which refers to the investment fund whose fund size has been determined before issuance and remains unchanged within the specified period after issuance. Open-end funds were not listed on the exchange before 2004, and they were generally purchased and redeemed through consignment agencies such as banks or direct selling centers.

After 2004, China innovated the operation mode of open-end funds and allowed some open-end funds to be listed on the stock exchange, which is called listed open-end funds. The scale of the fund is not fixed, and the fund unit can sell it to investors at any time or buy it back at the request of investors;

Without duration, it can theoretically exist forever; The price is determined by the net asset value. Closed-end funds have a fixed duration, and the fund scale is fixed during the duration. Generally, they are listed and traded on the stock exchange, and investors buy and sell fund shares through the secondary market. Open-end fund is one of the basic forms of fund operation in the world.

Fund management companies can sell new fund shares to investors at any time, and also need to buy back their fund shares at any time at the request of investors.

Open-end funds have become the mainstream of the international fund market. More than 90% of the fund markets in the United States, Britain, Hongkong and Taiwan Province Province are open-end funds.