2. Purchase funds through direct selling platforms of fund companies (such as fund company APP, WeChat and official website). Its advantages are:
(1) the fund has strong trading incentives and low rates (such as subscription/subscription fees and conversion fees, etc.). ).
(2) The redemption speed of funds is fast, most of the funds owned by fund companies are convertible, and the trading experience is good.
(3) You can not only trade funds, but also get rich information, increase fund knowledge, and consult professionals about the confusion in fund investment in time.
The third is to purchase funds through third-party platforms. Its advantages are:
(1) You can subscribe for most funds in the whole market in one stop (except floor-traded funds).
(2) The subscription rate is generally 1.
(3) Fund conversion is relatively convenient, and some platforms can realize cross-company fund conversion (no rate concessions). It also has disadvantages: for middle-aged and elderly customers who prefer offline services, consultation is relatively inconvenient.
Generally speaking, for elderly investors who are inconvenient to access the Internet, it is recommended to purchase funds through traditional banks and brokerage channels; For investors who want more favorable rates, shorter redemption time and better service experience, it is recommended to buy through the direct selling platform of fund companies; For investors who want to buy funds in one stop, they can choose a third-party platform. Investors can choose appropriate channels to invest according to their own needs.