I. Direct selling by fund companies

That is, bypassing the middleman, the fund management company directly sells its own fund products to investors. Generally, fund companies set up their own official website and sell directly through official website.

The advantage of this purchase method is that the handling fee is cheap, generally 40% off, but the disadvantage is that you can only buy the products of this fund company. If you want to buy funds from different fund companies, you must register on the websites of each fund company, which will be a bit troublesome in management.

Second, online banking.

A thing has both good and bad sides. Although it is more convenient to buy funds through online banking, you can buy all funds at a lower handling fee as long as you bind the bank card.

However, the disadvantage is that the types of funds are not rich, the big banks sell more products, and the small banks sell less products, so they may not be able to buy the funds they want.

Third, financial institutions sell on a commission basis.

At present, there are national commercial banks such as workers and peasants China Construction, and foreign banks such as Standard Chartered, Dahua, Citigroup, East Asia and Hang Seng. However, it is expensive to buy fund products at the bank counter, so it is not recommended to buy them at the counter.

There are 98 securities companies that can be sold on commission, such as Guotai Junan, Guangfa, Guo Xin, China Merchants and Huatai United. Ordinary investors can hold ID cards to open accounts in securities companies. When opening an account, they need to apply for the bank card of the relevant bank that cooperates with the securities company, and then go to the securities company to buy funds. There are many kinds of funds sold by brokers, especially large brokers, who sell almost all kinds of funds on commission. You can reduce the handling fee and enjoy better after-sales service.

Fourth, exchange sales.

Exchange trading is equivalent to investors buying and selling existing fund shares from other investors, and the total amount of fund shares will not change. Moreover, the transaction fee here is the transaction commission charged by the securities company, not the redemption fee.