Buying on the websites of China Bank and Fund is not exactly the same. One is consignment and the other is direct sales. Sales channels are different, where to buy, can only be redeemed. What the bank bought cannot be redeemed on the fund website. Then, direct sales channels are often lower than consignment channels (banks, securities companies), and the lowest one can enjoy a 40% discount, which is 0.6%. However, website direct sales are generally conditional, that is, only some bank cards often have the lowest rates, which are generally available in small and medium-sized banks. There are few banks such as China Construction and Xingye, and the lowest rates are generally 30% and 20% off. If the agency channel has signed a preferential agreement with the fund company, it can also enjoy preferential rates. The specific discount depends on the agreement, sometimes there is 60% discount. But it is limited to the products of the contracted fund company. If there is no contract discount, the agency channel rate is generally the standard rate, that is, 1.5%.

There are two main inspection points in choosing the fund subscription (fixed investment) channel, one is the subscription (fixed investment) cost of this channel, and the other is the convenience of this channel. So far, there is no cheap and simple way to buy funds. At present, they can't do both.

Generally speaking, it is the cheapest to log in to the fund company's online direct selling account in official website, with a minimum discount of 40% (0.6%). At the same time, because there is no need to go through the consignment link, the confirmation time of the purchase and redemption of this channel is also the shortest. For example, it often takes T+2 working days for banks to redeem money funds through consignment channels, while it only takes T+ 1 working day for fund companies to directly sell online. But the disadvantage of this channel is that when investors need to apply for funds from different fund companies, they need to open accounts in different fund companies, which is more troublesome to operate. At the same time, the cooperative banks with direct accounts opened by different fund companies are different. It is possible that the bank card in the hands of investors is not the direct cooperative bank of the fund company, so there are relatively many restrictions.

However, the discount of subscription fee of online banking "fund supermarket" may not be as low as that of online direct selling of fund companies. However, due to the fund recruitment of various fund companies, the cumbersome procedures for investors to open accounts and log in many times have been eliminated, and one-stop fund redemption service has been realized. Generally speaking, there are many fund companies that banks sell on a commission basis, but it should also be noted that no bank covers all fund companies and their products.

In addition, the third-party fund purchase platforms that have developed rapidly in recent years, such as Tiantian Win, have the convenience of one-stop fund direct payment and the low price advantage of 60% off the subscription fee. But the disadvantage is that it does not cover all fund companies and their products.

However, it is relatively recommended to buy directly through fund companies, especially large purchases or investments, and there is no need to have a hard time with money. If the subscription amount is small or the subscription is made, then the bank can ignore the savings of subscription fees compared with the fund company, and can consider buying online. This is my suggestion. I hope I can help you, and it would be better if I could adopt it.