1, open an account with a brokerage firm and buy it yourself.

2. Buy directly from the fund company's website (such as noah wealth).

3. Purchase through third parties such as Tian Tian Fund 3. 10. 1, Alipay Edition 10.2.3.

Difference between on-site and off-site:

According to the product characteristics, index funds are divided into on-site and off-site purchase methods.

The so-called floor refers to buying through a securities account. It trades like a stock, but it fluctuates during the day. The price of the fund you buy will change in real time, and the money in your account will always change.

In terms of expenses, on the whole, the on-site transaction costs are low, and some brokers can achieve 10,000 yuan or even lower, while the off-site subscription and redemption costs are slightly more expensive, which will be calculated later. On-site real-time settlement, selling immediately to the account, this is the advantage of on-site funds

The disadvantage is that, first of all, the optional range of on-site funds is relatively small, far less than the variety of off-site funds. Like our portfolio, there are seven index funds, but only four can be listed and traded, and the other three can't. Another point is the fluctuation during the day, and you will often have the impulse to trade.

On-exchange trading can be purchased by major securities companies, and off-exchange index funds can be traded on more platforms. For example, bank channels, official channels of fund companies, financial modules such as WeChat Alipay, and third-party fund sales platforms. On the whole, it is still inclined to buy through the OTC market.

transaction cost

There are three main expenses for over-the-counter purchase of index funds, taking Class A as an example.

1) subscription fee.

2) redemption fee.

3) Fund management fee.

If the holding time is short, or short-term transactions are frequent, it is not cost-effective off-site.

How to calculate the net value of the fund?

Net value of fund unit = total net assets/fund share

Transaction confirmation and revenue review

The transaction confirmation time is T+ 1. For example, I bought it before Monday 15:00, and confirmed the platform turnover share after Tuesday 16. The transaction details include the subscription fee and the number of fund shares you finally bought. Check that the payoff is T+2, which is Wednesday, before you see the payoff.

How to calculate the buying share?

We will deduct the subscription fee in advance when we buy the fund. For example, if you buy 10000 yuan, according to the subscription rate we mentioned above, domestic index funds are generally 0. 1%, which means deducting the subscription fee of 10 yuan, leaving 9990 yuan.