Taking the comparison between fund websites and banks as an example, it is better for fund companies to buy funds on their websites. The advantages and disadvantages of both are as follows:
Advantages of bank online banking to purchase funds;
1 The transaction is more convenient, and customers don't have to go to the counter in person, so the transaction efficiency is improved and it doesn't take too much time.
Bank online banking can buy many products of fund companies.
The disadvantages of bank online banking to buy funds;
3 Fund trading shall be conducted at 9: 30 am-65438+05:00 pm on the working day of the stock market.
The types and quantity of funds sold by different banks' online banking will be different, so it is difficult for investors to buy multiple funds in one bank's online banking.
Usually, the funds of a fund company are not sold on a commission basis, which will bring trouble to the fund conversion and other businesses that may be needed in the future.
The subscription fee is relatively high.
Advantages of purchasing funds on the fund company's website:
1 You only need a bank card, and it is very convenient to provide 24-hour all-weather service without geographical restrictions.
Among several sales methods, the average preferential margin of subscription fee is the largest.
Disadvantages of buying funds on the fund company's website:
3 Different fund companies support different bank cards. If you buy more than one fund, you often need to handle different bank cards for the fund portfolio.
4 Opening accounts on the websites of various fund companies, buying more funds, involving multiple fund companies, is a bit time-consuming.
Not all fund companies have opened online direct selling business, and some fund companies' direct selling centers have no preferential rates.