Direct selling includes fund company counter and fund company official website.

There are banks, brokers, third-party fund trading websites or institutions.

Banks and brokers are all channels for fund consignment.

The handling fee is generally more favorable to brokers. Most funds of brokerage firms are 40% off the front-end subscription fee. To be on the safe side, please consult the brokerage customer service for specific funds. In terms of banks, except for banks such as workers and peasants' China Construction Postal Savings Office, the front-end rates of other medium-sized commercial banks are mostly reduced to 40%.

In terms of service, brokers will be better, because brokers will have someone to provide you with some information. But it is not necessarily true that this information is really useful to you, but the bank will certainly not send you a text message or call you specifically for this purpose. But advertising harassment may also follow.

Fund conversion is an important function, but whether to support fund conversion depends on the specific fund. Some funds may support it, while others may not.

In terms of security, banks, brokers and fund companies official website are all the same. Because the fund's money is not in the hands of fund companies or brokers, but kept by custodian banks, no matter who goes bankrupt, investors' funds can't be moved.

To sum up, banks and brokers are not the best channels for fund purchase. The best trading channel of the fund is the direct selling channel of the fund company in official website, which is more or less unavailable in other channels, such as preferential rates, fund conversion, diversified fixed investment forms, fast redemption speed, and real-time receipt of money funds.