(1) Bank
First of all, banks are one of the main channels to buy funds. The fund products provided by banks are relatively stable and less risky. Moreover, fund products do not need to pay additional sales expenses and are relatively transparent. In terms of service, the staff of the bank sales fund will undergo training and assessment, and can recommend suitable products according to the needs and conditions of customers. In addition, in the process of purchasing funds, banks provide customers with flexible services, and customers can adjust the investment amount and fixed investment cycle according to their own conditions.
The income of bank sales funds is relatively low, mainly due to the low risk of bank products themselves. In addition, in the process of sales, the bank's sales staff may ignore or depress the risk warning of fund products, resulting in customers taking unnecessary risks in fund investment.
(2) Securities companies
Secondly, securities companies are also one of the common channels to buy funds. Because securities companies mainly invest in stocks, they sell relatively more fund products, including stocks, bonds, mixed types and so on. In addition, the income of fund products of securities companies is relatively higher, which also provides a more flexible way to adjust market risks.
At the same time, the sales staff of securities companies are more professional than the fund sales staff of banks. The account managers of securities companies have higher requirements in terms of qualifications and experience, and can provide customers with more comprehensive and professional investment opinions and suggestions.
However, the risk of fund products sold by securities companies is relatively high, and the threshold for understanding the industry and market is relatively high. When purchasing fund products of securities companies, customers are required to have relatively high investment and financial literacy and educational background, otherwise investment mistakes may be caused and risk-taking may be increased.
(3) Third-party fund sales platform
The third-party fund sales platform refers to the online fund sales platform established and operated by Public Offering of Fund companies, fund custodians and other institutions, and its intermediary service status is relatively clear. The platform does not involve the sales of fund products, but only provides fund sales services. In the sales process, the account managers and senior analysts of the platform provide professional investment opinions and suggestions to customers, and can also communicate according to the investors' investment ideas and goals.
Compared with the fund sales methods of banks and securities companies, the third-party fund sales platform has higher transparency and breadth. The information and data provided by the platform are relatively accurate, and at the same time, different operation columns and their own trading suggestions are provided to guide investors to pay attention to the stock market irregularly. However, when investors choose a third-party sales platform, they need to find a company with good reputation to prevent financial fraud risks such as investment fraud and fraud involving unofficial institutions and bad platforms.
To sum up, each fund sales channel has its own unique characteristics and adapts to the crowd. For inexperienced investors, banks may be a better choice; For experienced investors, the best and lowest-cost channel to buy funds is the third-party fund sales platform through the network. When investors choose the fund sales channels, they should conduct full research and comparison to find the fund products suitable for their investment objectives and risk tolerance.