You can think of Tian Tian Fund as a fund supermarket, and there are many fund products, so is Alipay. For the current Internet platform, there will be more fund products on the Internet platform, and users can choose the fund products that suit them according to their actual preferences. For banks, the fund products of banks are generally special and have certain threshold requirements, so you can understand the fund products of banks as relatively more stable fund products, but the fund products of banks are not so selective.

Let me talk about the issue of daily funds first.

With the continuous development of the Internet era, the traditional fund subscription method is out of date, and many people begin to subscribe for funds online. At this time, a fund trading platform similar to Tian Tian Fund appeared. Tian Tian Fund's fund rate is very low, and there are many fund products for users to choose from, which is the advantage of online channels.

Banks' capital channels will be more traditional.

Before the Internet era, almost everyone had to subscribe for funds through today's company or bank channels, which is also the most orthodox way to subscribe for funds. Generally speaking, the fund products of bank channels are relatively stable and safe, but banks basically have nothing to choose from, and users can only choose one of several types of funds recommended by banks.

The service rate of online channels will be lower.

Why do many people subscribe for funds online? The reason for 1 is that there will be more online choices, and users can choose the fund products that suit them. The second reason is that online service rates and transaction rates are very low, even 50% lower than those of banks. To some extent, online channels will be a development trend, and fewer and fewer people will subscribe for funds through bank channels.

Finally, for people with rich investment experience, they can apply directly to the fund company official website through online channels, which is the lowest service rate known at present.