1, 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 fees, 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.
2, bank outlets to sell: the advantage is that there are many bank outlets and it is convenient 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.
3. Securities companies sell on a commission basis: 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. All kinds of trading procedures of the fund can be realized through online trading and telephone entrustment with 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.
How to choose the right channel to buy funds?
For investors with strong professional ability (being able to analyze fund products and handle business online), it is a better choice to choose direct sales of fund companies.
For older middle-aged and elderly fund investors, it is more suitable to go to nearby bank outlets and securities company outlets, make use of the convenience of many bank outlets to complete fund investment, or rely on the advice of account managers of securities companies to select suitable funds through counters.
For working-class or young white-collar workers, it is more suitable to realize one-stop management through securities company outlets.
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:
1. Fill in the application form for the 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 the application confirmation result by phone, online or at the agent outlet on T+2.
2. Information required for opening an account at the counter: ① Original valid ID card (including resident ID card, police officer's card, military officer's card, soldier's card, passport, etc.). ); ② I use my current bank card or passbook for bank-securities transfer.
3, through telephone entrustment, online transactions or in person at the counter for fund recognition (application) purchase and redemption procedures.
There are the following precautions for purchasing funds through online transactions: First, do not open an account and purchase funds through online transactions and other channels (banks, securities companies) on the same day. Only one account opening application can be confirmed successfully on the same day, which will cause some account opening and subscription applications to fail and affect your investment plan. Second, please be sure to fill in the name and card number consistent with the bank card information when opening online transactions. If you use CCB to open online transactions, you need to fill in the savings card number instead of the securities card, and you must fill in the full name of the bank where the CCB card is opened. The full name of the bank should include the provinces and cities to which the bank card belongs. If necessary, you can call the customer service telephone number of CCB 95533 to check the full name of your CCB card bank. If any information filled in when opening online transactions is inconsistent with the bank card information, the redemption money and cash dividends will not arrive on time, which will affect your fund use plan.