Off-exchange funds: there are subscription and redemption fees, because the subscription and redemption time is long and the rate is high, which can prevent your restless mind from operating frequently and avoid unnecessary losses. Generally, it can be purchased in Alipay, Tian Tian Fund, Egg Roll Fund and other places. If you can choose funds and fund managers, you can choose active funds, so that reliable fund managers can create better income for you.

ETF fund: the purchase cost is extremely low, lower than that of stocks. You can buy it directly in the stock account opened by a securities company without stamp duty. But the general ETF funds are industry index funds, so you only need to choose the industry, not the fund manager. For example, I am optimistic about the new energy industry. There is no need to buy OTC funds, just buy new energy vehicle ETFs, 5 15030.