I. Banks
Banks are the most traditional channel for fund sales. You can buy funds from many different fund companies and go directly to offline banking outlets. The advantage of this method is that you have a professional financial manager to serve you, and you can know all kinds of operation procedures. And the cost of buying funds by banks is high, and there is generally no discount, so it is not cost-effective to buy funds.
Second, brokers.
You need to open a stock account to buy a fund in a brokerage. Now almost all brokers support online account opening and APP account opening, and do not run offline sales outlets. In the stock account, you can buy on-site funds, such as ETF funds and LOF funds; You can also buy OTC funds, that is, funds available on platforms such as Ant Wealth and Tian Tian Fund.
The subscription rate of securities firms to buy funds is also relatively high. Generally speaking, the rate concessions of major brokers are relatively few, and the investment cost is relatively high. However, there are only transaction costs for buying OTC funds, and the commission rate of stock trading will not be much, which is much lower than the subscription and redemption costs of OTC funds.
Three. Official channels of fund companies
The advantage of official channels of fund companies lies in preferential subscription rates. However, each fund company's platform only sells its own funds, and there are fewer types of funds. The general user experience of fund company official website and APP is not very good, which is also a big disadvantage.
Third, the third-party fund platform
The rate of purchasing funds through the third-party fund platform is the lowest, and the general subscription fee is 10% off. At the same time, it is relatively simple and convenient to open an account and trade on such platforms. For example, if you open WeChat or Alipay, you can buy funds from WeChat Licaitong and Alipay Wealth, which is very convenient to operate, and the net value and market of the fund are also easily noticed.
Summary: By analyzing the advantages and disadvantages of purchasing funds through the above channels, we can see that the third-party fund platforms such as Alipay, WeChat Licaitong and Tian Tian Fund have the lowest rates, convenient transactions, good operating experience and high cost performance.