With the continuous improvement of people's financial awareness, more and more people buy funds. There are many channels to buy funds. We can buy funds in banks or through securities trading software. What's the difference between buying funds and securities in the bank?

What's the difference between money in the bank and securities purchase?

1 There are different types: funds are divided into on-site funds and off-site funds. The floor here refers to the securities trading through the securities trading market. Funds purchased by securities trading software belong to on-site funds, and bank channels belong to off-site funds.

2 The investment rules are different: the funds purchased by securities are similar to stocks in investment, and they are traded according to the transaction price, and the T+ 1 mechanism is implemented; Funds purchased by banks are generally traded at net value, and OTC funds publish their net values once a day.

3. The funds for securities purchase are mostly passively managed, and the funds in bank channels are generally actively managed.