Older investors should be most familiar with buying in banks, because we often go to banks to handle business, and naturally know something about fund investment. Banks are the safest in the eyes of ordinary people.
There are two main ways to buy funds in banks, one is to go directly to the bank counter, and the other is to buy funds through online banking, official website or mobile banking. The advantage of buying through the counter is that there is one-on-one guidance from the financial manager, but it is also possible that the products that the financial manager will give you for your own performance are not suitable for you. Buying through online channels of banks is more autonomous, but the number of funds in bank channels is generally small and the choices are limited. Relatively speaking, the purchase cost in the bank is the highest.
Third-party platforms are also a very hot market. For various financial management apps, you can choose the most common channels, such as Alipay, WeChat's financial management, Tian Tian Fund Network, etc. These platforms have a large amount of funds and a low transaction rate.
There is also direct purchase from fund companies. The advantage is that there is no middleman to earn the difference, the rate is low, and the fund conversion is free. The fund's short arrival time and high transaction efficiency are the biggest advantages. However, the shortcomings are also obvious. You can only buy your own company's products, which is not suitable for overall asset planning and inconvenient to manage.