1. Bank subscription: the front-end charge requires subscription fee of 1.5%, redemption fee of 0.5%, and back-end charge of about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally held for more than three years, the redemption fee is exempted. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. This is the worst way to buy and sell funds.

2. Go directly to the fund company for subscription 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. 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.

3. Open a securities account, sit at home and apply online, 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%. The advantage is low cost. The handling fee for buying and selling funds in securities companies is 0.3%, and stamp duty is not required. Funds arrive quickly, arrive immediately and use immediately, which can avoid waiting for redemption for 4-7 days.

Two. QDII fund is a securities investment fund approved by relevant state departments to engage in securities business such as stocks and bonds in overseas securities markets. Like QFII, it is also a transitional institutional arrangement, allowing domestic investors to invest in overseas securities markets to a limited extent when the currency is not fully convertible and the capital account is not yet open.