Advantages and disadvantages of on-site funds and off-site funds
Advantages of on-site funds:
When buying and selling 1, the rate is lower and the investment cost is lower;
2 the purchase and redemption speed is fast and the capital utilization rate is high.
Disadvantages of on-site funds:
1 Fixed investment cannot be set, and investors need to make their own market;
There are not so many types of funds, and the range that investors can choose is relatively small.
Advantages of OTC funds:
1 There are many purchase channels and the purchase method is simple. You can buy it directly in banks or other consignment platforms without opening an account.
You can set up automatic fixed investment, saving time and effort, and there are many kinds of choices, that is, there are many kinds of OTC funds.
Disadvantages of OTC funds:
1 confirm that the long selling time will waste time and cost, and the liquidity of funds will be insufficient;
The handling fee is high, especially the phone bill rate bought at the bank is not discounted.
Which is better, on-site fund or off-site fund?
There is no absolute difference between the two, but there is no better way to operate them. Investors can choose according to their own needs. If you have a stock account, you can buy an OTC fund. If you don't have a stock account and don't want to open an account, you can buy an OTC fund, such as Alipay. You don't need a stock account, just an Alipay account with real-name authentication.
If you don't have time to stare at the market and don't have much energy to study, buy an OTC fund. Not only do you not have to stare at the market every day, but you can also vote. If the investment is fixed, it will save time and effort and reduce the investment risk.