The first kind of bank purchase, mainly from bank online banking, I use China Merchants Bank and ICBC online banking to buy. The two online banks have done a good job and the interface operation is very convenient. They can also buy funds from fund companies at the same time, but seriously, the cost is really expensive, and there is generally no discount for banks to buy them. For example, Baoying Resources is the first choice for hybrid funds. We don't say the subscription fee, but it must be paid during the subscription period. General subscription fees are divided into subscription fees and redemption fees. The back-end charging standard is holding period (n), N≤ 1 year, and the rate is1.8%; 1 year < n ≤ 2 years, and the rate is1.0%; 2 years < n ≤ 3 years, and the rate is 0.6%; The annual rate of N>3 is 0, that is, the longer it is held, the lower the handling fee, and the subscription fee will be exempted for more than 3 years. If you plan to invest for a long time, it is more appropriate to choose back-end charges.

Let's talk about the redemption fee first, that is, the cost and holding time when redeeming the fund. (n), N≤ 1 year, and the rate is 0.5%; 1 year < n ≤ 2 years, and the rate is 0.25%; N > 2 years, the rate is 0, the longer the holding time, the lower the cost. It can be seen that the fund is not suitable for short-term investment, but suitable for long-term allocation. However, there is no discount on the handling fee for purchasing funds through banks. As for different funds, the handling fee may not be exactly the same. Please check the price before buying. Some funds do not support back-end payment of subscription fees.

Second, through the fund company official website to buy. I haven't actually operated this, because I think it's easy for me to forget that buying funds from different fund companies requires separate accounts, and it's also very troublesome to operate. However, the discount for purchasing funds through fund company official website is usually lower, which may be lower than that of third-party trading software. After all, it is direct, and only sells the funds of its own company. If you only have funds with fixed investment of 1-2, you don't need to open many fund company accounts. This is a good channel. According to the latest data on the website of CSRC, since 20 12, 73 third-party sales licenses of funds have been issued, including 44 Sino-foreign joint ventures and 63 domestic companies. 12 securities companies or asset management subsidiaries of securities companies, 1 insurance companies.

However, there is a big gap in market share between these 100 third-party sales organizations. The first camp of recognized third-party fund sales organizations is Tiantian Fund Network, Ant Fortune and China Ping 'an Land Finance Institute, which respectively support Oriental Fortune, Ant Financial Service and China Ping 'an. Since the opening of 20 12, in the past five years, some institutions have seized the opportunity to cut out rich cakes, and some institutions have "made a fortune" nearby and seized customer resources through fierce "rate war". Although many non-industry organizations want to share a piece of the action, after the sales resources brought by the bull market in the first half of last year were greatly improved, the third-party fund sales organizations had to face the current situation of declining income.