The funds in the bank can only play fixed investment, and the handling fee is also the most expensive. Novices who bring their ID cards to a securities company to open a Shanghai-Shenzhen trading account or open an account in a bank can buy, sell or invest in funds. The minimum purchase price of trading funds on the floor is 100, like 163503. At present, the closing price is above 0.5 yuan, and it is enough for 60 yuan to buy 100, and the minimum investment for banks is 100-. Different banks have different rules. There are many kinds of funds bought with securities accounts, including almost all kinds of funds. You can buy and sell on the market, or you can buy and sell off the market and redeem it. For varieties that can be traded on and off the market, the on-market trading fee is the lowest, only 0.3%, which is far lower than the bank 1.5% subscription fee and 0.5% redemption fee. The saved cost of 1.4% also becomes your profit. You can buy it on time every month, just like a fixed investment. At present, there are three main channels for buying and selling open-end funds. The cheapest is floor trading: securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 590 kinds of open-end funds. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds. Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds. Three. Open a securities account and apply online at home without going to the bank. Buying a fund in a securities company: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth small-cap funds, can also buy index funds, that is, eight ETF funds, such as E Fund 100 ETF Huaxia SSE 50 and AIA Dividend ETF. The advantage is that the cost is low, and the handling fee for buying and selling funds in securities companies is 0.3%, and stamp duty is not charged. At present, the market is volatile, and the return of hybrid funds will be better than that of index funds. For example, Huaxia Dividend, Morgan Stanley Leading, Xingye Trend, Huaxia Industry, Harvest Theme and E Fund Value Growth are all good investment varieties, and the market outlook will have more potential. That kind,