Securities companies can buy and sell open-end funds, index funds, closed-end funds, LOF funds, stocks, warrants and bonds. There are more than 540 open-end funds.
One. Bank subscription: it is the worst way to buy and sell funds: front-end fee 1.5%, redemption fee 0.5%, and back-end fee about 2%. However, if it is held for less than half a year, the redemption fee is charged year by year. Generally, there is no redemption fee for holding for more than three years. Each bank can probably buy 100 kinds of funds, and the money will arrive in 4-7 days, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. This is the worst way to buy and sell funds.
Two. Go directly to the fund company to purchase from the Internet: 1.5% of the subscription fee can be discounted by 60%, and the redemption fee is 0.5%. Each fund company can buy its own fund and register several fund companies online. When opening an online bank, it takes 4-7 days for the money to arrive at the account when it is redeemed, which takes a long time. Maybe the market has changed and you want to reapply, but the money hasn't arrived yet. It is troublesome to open online banking and register a number of fund companies online, which is a poor way to buy and sell funds.
Three. Open a securities account and apply online at home without going to the bank. Some securities companies say that we have preferential policies for buying funds: the subscription fee is 0.3% and the redemption fee is 0.3%. Open-end funds, such as South China's active allocation and South China's high-growth Guangfa small-cap funds, can also buy index funds, that is, six ETF funds, such as Yifangda Shen 100 ETF Huaxia SSE 50 and AIA Dividend ETF, have low cost advantages, and the handling fee for buying and selling funds in securities companies is 0.3%.
Buying a fund has nothing to do with choosing a bank. I chose that bank mainly for my own convenience. Each bank has more than 65,438+000 fund types. The key is which one suits you. Investors had better have their own opinions when choosing funds. According to your own risk tolerance, choose the investment products that suit you. Any best fund recommendation is the most beautiful lie. If you have a high risk tolerance, choose Harvest 300. E Fund 100ETF and other index funds can make the biggest market gains. If your risk tolerance is average, you can choose Huaxia Bonus, Harvest Select, E Fund Value Growth, Guo Futian Rui and other hybrid funds, and you can also get better market returns. If you have no risk tolerance, you can buy some national debt or 16 1065438 Guo Fu. Bond funds such as ICBC (Tian Li) can also earn more than 6% market income every year. To get a good return, we must pay attention to the following points: 1. Choose a fund company with good performance, and choose a good fund variety in this good fund company. For example, Huaxia, Yifangda, harvest fund and Xingye are all top fund companies in China, and their products can generally outperform the market. Now Huaxia Bonus, E Fund Value Growth, Harvest 300 and Societe Generale Social Responsibility are all good varieties for fixed investment. Of course, the safest margin is a closed-end fund with a high discount. At present, the discounts of 18722 and 500056 exceed 17%, which is the first choice for steady investment and long-term investment. Second, we must choose the right time to buy. When the stock market was depressed and investors were desperate and pessimistic, the net value of the funds at that time was low, and some even fell below the face value. This is a good time to buy. We should also choose a good selling opportunity and sell decisively when the market sentiment is high and the stock index hits record highs. Don't be greedy, only in this way can you make money. Although it is said that it is expert financial management and long-term investment, if you choose the wrong fund company and variety and the timing of trading, you will still lose money. At present, there is little risk in buying funds below 3000 points on the Shanghai Stock Exchange, but 4000-5000 points are high-risk areas, so it is right to call it a day for long-term business.