With the rapid development of the Internet, the sales channels have developed from single to diversified, bringing convenient services to users. For some investors who have little contact, they don't know much about the online and offline channels in the fund. Xiaobian is as follows:

What does the biggest retracement in the fund mean? How to buy a new fund? What are the skills?

What are the online and offline channels in the fund?

There are three main channels for fund sales, namely, fund company direct sales center, bank agency outlets and securities company agency outlets. Online sales channels refer to investors' purchases on the consignment platform through the Internet (both banks and fund companies can buy online), while offline purchases are made through offline service points of banks and securities institutions.

What is the difference between different channels to subscribe for funds?

Fund company direct sales center: the advantage is that you can go through the procedures of account opening, subscription and redemption through online transactions, and enjoy preferential transaction costs, regardless of time and place; The disadvantage is that when customers need to buy products from multiple fund companies, they need to go through relevant procedures in multiple fund companies, and investment management is more complicated. In addition, investors are required to have corresponding equipment and Internet access conditions, and have strong network knowledge and application ability.

Consignment bank outlets: the advantage is that there are many bank outlets, which is convenient for investors to deposit and withdraw money; The disadvantage is that the products of fund companies sold by various bank outlets are limited, and generally new funds are the mainstay; Investors need to go to and from outlets to go through the formalities.

Consignment by securities companies: The advantage is that securities companies generally sell the products of most fund companies on a commission basis, with a wide range of choices. The account managers of securities companies have professional investment ability and can provide good analysis and suggestions. The various trading procedures of funds can be realized through online trading and telephone entrustment of securities companies. The deposit and withdrawal of funds are carried out through bank-securities transfer, and securities, funds and other products can be combined and managed in one account; The disadvantage is that there are fewer outlets of securities companies than banks, so you need to go to the outlets of securities companies for the first time.

Is the process of purchasing funds through different channels the same?

The process of opening an account or purchasing a fund in a fund company, a bank outlet or a securities company outlet is basically the same:

First of all, fill in the application form of open-end fund account at the counter of the outlet → submit the completed form and valid certificate to the counter business personnel → the customer sets the transaction password and inquiry password by himself → the counter staff replies to the receipt of account opening acceptance → the customer can inquire about the application confirmation result by phone, online or at the agency outlet on T+2.

Information to be provided for opening an account at the counter:

Original valid ID card (including resident ID card, police officer card, military officer card, soldier card, passport, etc.). );

② I use my current bank card or passbook for bank-securities transfer.

After that, the fund will be recognized (applied) for purchase and redemption by telephone entrustment, online transaction or in person at the counter.