Each bank can invest in different types of funds.

Now many banks can make fixed fund investment, such as ICBC, Bank of Communications and Agricultural Bank of China. In terms of varieties, Bank of Communications has the largest variety of funds; The fixed investment threshold of ABC is relatively low, starting from 100 yuan per month; Many people choose ICBC because it is more flexible to make fixed investment.

Generally speaking, the biggest difference is the handling fee!

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 customers need to go through relevant procedures in a number of fund companies to buy products from a number of 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. There is generally no discount on transaction rates.

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. Compared with the above two trading methods, its biggest advantage is the trading of closed-end funds, and banks and online direct selling cannot trade closed-end funds. 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.