Buying a fund in a bank is the most expensive, and the cost is about 2%. There are many types of funds with back-end fees, such as Harvest and Boss. Novices can buy, sell or invest in securities companies or banks with their ID cards. The floor fund has a minimum purchase of 100, like 163503. At present, it is enough to close in 0.5 yuan and 60 yuan to buy 100. OTC minimum investment 100-300 yuan, different banks will have different standards. At present, there are three main channels for buying and selling open-end funds, and the cheapest is floor trading:

Securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 590 kinds of open-end funds.

One. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can buy about 100 kinds of funds, and it takes 4-7 days for the money to arrive, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.

Two. Go directly to the fund company to purchase 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. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. 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.

Three. Open a securities account and apply online at home 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%. Open-end funds, such as South China's active allocation and South China's high-growth Guangfa small-cap funds, can also buy index funds, namely 8 ETF funds, such as E Fund 100 ETF.

The advantages of Huaxia SSE 50 and AIA dividend ETF are low cost, 0.3% handling fee for trading funds in securities companies, no stamp duty, quick receipt of funds, immediate use, avoiding waiting for redemption for 4-7 days, and subscription of new funds with securities accounts will be refunded to investors.