2. At present, most fund companies have opened online direct selling systems. Investors only need to register and open a fund account on the website of the fund company, and handle the bank card or online banking of the relevant bank according to the requirements of the fund company, so they can buy and sell funds through the direct selling system of the fund company.

Similar to online banking, online trading of funds by fund companies is not limited by region and time. And online direct selling usually has a certain rate discount, ranging from 40% to 60%. However, there are certain technical requirements in operation, even more complicated than online banking.

situation

Mr. A invested 50,000 yuan to buy E Fund for Strategic Growth and went directly to the bank counter to buy it. The subscription rate charged by the bank is usually 1.5%, and the subscription fee is 738.92 yuan.

Generally, you can enjoy a 60% discount if you use CCB savings card or Industrial Debit Card to purchase directly on the fund company's website, that is, the subscription rate can be reduced to 0.6%, and the subscription fee to be paid is 298,438+0 yuan.

If you buy the same bank card in different ways, the subscription fee of 440+38 0 yuan can be easily saved.

If Mr. A uses Guangfa Wealth Management Card as a debit card, the subscription rate is 0.3%. Subscription fee to be paid = 50000 ÷ (1+0.3%) × 0.3% = 49850.449 × 0.3% =149.55 (yuan).

Changing a bank card can further save the subscription fee of 148.66 yuan.