Usually this kind of online "direct selling" has preferential rates, ranging from 4% to 20%, with a minimum of 2%. If you buy online directly, there are bank cards such as Xingye and Pufa, and you can also get a 60% discount at the rate of 0.6%. If you use GDB card, the rate is lower, as long as 0.3% is 65438+10,000, and the rate of 0.3% is only 300 yuan, saving 1.200 yuan.
Go to an active bank.
In fact, in addition to the fund companies themselves, many banks are also engaged in activities. For investors who are not familiar with the operation of the fund website, they can choose the bank that engages in activities. Relatively speaking, banks can choose a wider range of activity funds. For example, the online discount offered by the online fund supermarket of Bank of Communications is that nearly 130 funds can enjoy preferential rates through online subscription of funds by Bank of Communications, with a minimum discount of 40%.
"Curve Subscription" from Monetary Fund to Equity Fund
In addition to the above two methods, there is another method that is rarely used by most investors at present, that is, first buy the money fund of the fund company you like, and then "convert" the curve into the stock fund. This method is very suitable for investors who firmly invest in fund companies.
Because most fund companies' money funds do not need subscription and redemption fees, and the conversion rate between their own funds is usually much lower than the subscription itself. For example, the normal subscription rate of a fund of a fund company is 1.5%. If you choose to buy a monetary fund of 654.38 million yuan from the fund company online first, and then convert it into a stock fund controlled by it three months later, the conversion rate is only 0.25%. If you hold 1 year, the conversion rate is only 0.2%, which will be as low as 0.6544.
Correspondingly, many investors who have already bought funds have the psychology of keeping their packages safe, and especially like to choose the strategy of redeeming them before major festivals. After a while, I spent a lot of money. During the redemption period, I can only leave the redeemed cash in my hand, which is useless. If we adopt the strategy of mutual conversion between stock funds and money market funds, we can generally save about 1% of transaction costs.
In addition, some fund companies only charge 0.5% redemption fee when stock funds are converted into money market funds, while money market funds are converted into stock funds without charge, which can save about 1.5% transaction costs. Moreover, from the perspective of time cost, according to the original transaction process, it usually takes 6-8 working days to redeem the stock fund before purchasing it, but the conversion between the stock fund and the money market fund can generally be completed in 2 working days, so that you can hold the money fund with a slightly higher interest rate than the bank to earn interest income during this period.