1) Choosing an on-site fund or an off-site fund is essentially choosing the right fund. No matter how suitable it is for you on and off the court, if the fund itself is not good, it is useless. So in essence, we still go back to how to choose funds. Everyone should have their own set of criteria when choosing a fund, such as recent income, industry ranking, rating, fund manager's performance, amount of funds and so on. In view of the fact that most funds in the market are passively managed index funds, we can pay more attention to the tracking error. The smaller the tracking error, the closer the fund tracking index target is, and the more it is generally worth buying.

(2) easy to see. Compared with OTC funds, OTC funds are relatively convenient because they do not need to open securities accounts.

(3) See if the fund has an on-site fund. At present, most funds are OTC funds, and most of them are passively managed index funds, so many times we don't need to consider choosing OTC funds or OTC funds, because the funds you want to buy don't have OTC funds. . At present, it seems that the most popular active management funds are basically OTC funds, so we should first look at whether we can choose the market when buying funds, and then consider whether we should choose the market.

(4) Look at the amount of funds, because the general transaction fee of on-site funds is cheaper than that of off-site funds. For OTC funds, the transaction generally requires a handling fee, which seems to be very low, such as a few thousandths, but the commission (generally tens of thousands) for on-site fund transactions is obviously much more expensive. Don't ignore this cost, because most people's transaction costs are not small expenses, so if the amount of funds invested is relatively large, you can choose the on-site fund, which will save some expenses.

(5) Looking at the trading frequency, choosing an on-site fund with higher trading frequency can reduce part of the handling fee. I suggest you reduce the frequency of trading. On the one hand, it can reduce the cost. On the other hand, day trading is actually that we didn't think clearly when we bought it, or we should read more and study less.

(6) Look at the liquidity of funds. Off-exchange funds are redeemed on the same day and confirmed on the next working day. Usually 2-3 days after the money arrives. The funds in the venue are generally confirmed in real time, and the money can be obtained on the same day. In fact, the time difference between the two redemption funds is still quite large. For users with liquidity requirements, on-site funds may be a better choice.