I. Online Banking
Online banking is referred to as online banking. The advantages of fixed investment in online banking are: simple and convenient. Even if you plan to make a fixed investment through the other two channels, you should also open online banking, which has the function of fixed investment itself and can be operated directly without registering other platforms. In addition, operating online banking gives people a sense of security. After all, it is a state-owned bank.
The disadvantages of fixed investment in online banking are: high cost, generally unable to choose back-end fees, and the subscription fee is between 1%- 1.5%.
Two. Fund official website
Fund official website refers not to a website, but to official website of the fund company that issues a fund. For example, Harvest Research selected this stock fund, which is issued by harvest fund Company and can be invested in official website (website: www.jsfund.cn) of harvest fund Company. Similarly, if you want to invest in southern fund's fund products, you should also log in to southern fund's official website (website: www.nffund.com).
The advantages of official website Fund's fixed investment are: the lowest handling fee and the subscription fee as low as 0.2% to 0.6%. In addition, many funds support back-end fees in official website. After holding it for a certain period of time, the subscription fee is waived.
The disadvantage of official website's fixed investment is that it has a single channel and can only pay for the products of a fund company. For example, in official website and harvest fund, you can only buy products from harvest fund, but not from southern fund. If you plan to make a fixed investment in the fund products of many companies, you must register multiple accounts, which is more troublesome to manage.
Third, the third-party fund platform
The third-party fund platform is equivalent to a fund market, and the products of various fund companies are displayed and sold on this platform, which greatly facilitates the comparison and management of investors. Among them, Tian Tian Fund Network (website: www.kloc-0/234567.com.cn) is the representative of the third-party fund platform.
The advantages of fixed investment in Tian Tian Fund Network are as follows: the cost is low, and the subscription fee is generally 60% off, that is, 0.6%, which supports the products of almost all fund companies and is convenient for investors who make fixed investment in multiple funds at the same time to manage their assets. For example, the products of harvest fund, southern fund and Yinhe Funds can be fixed at the same time, and the fixed investment operation can be carried out on Tian Tian Fund Online, so that these three funds can be managed at the same time with one login, and it is also convenient to switch between products of different fund companies.
The disadvantage of making a fixed investment in Tian Tian Fund Network is that some funds cannot be purchased on the third-party fund platform, and the cost of other funds is not better than that of official website Fund. Take Harvest Research Selection as an example. Tian Tian Fund does not support back-end charges online, and the subscription fee is 0.6%. For the fixed investment in official website, harvest fund, you can choose back-end charges. Even if it is redeemed in less than one year, the subscription fee is only 0.2%. For Harvest Research Selection, the cost advantage of official website's fixed investment is obvious.
I suggest
1. If you decide to invest in more than three funds at the same time, it is recommended to make a fixed investment on Tian Tian Fund Online.
2. If you only decide to invest in one or two funds, and the funds you decide to invest in have relatively large preferential policies in official website, you can consider making a fixed investment in official website.
3. If you are crazy about banks, you feel safe only when you operate in them, and you don't care about adding a little handling fee, you can consider online banking to make a fixed investment, but I personally don't agree with this way.
4. To give a practical example, I opened the accounts of Harvest official website and Tian Tian Fund Network at the same time, and the fixed investment selected by Harvest Research was operated by official website and harvest fund; Money funds are purchased through Tian Tian Fund Network.