Buying a fund through a securities account and buying a fund in a bank are both purchased through an open-end fund off-site consignment system, but the consignment agencies are different, and the fees are the rates stipulated by the fund company in the fund prospectus, with little difference. But because you have a securities account, your daily fund position may be placed in the fund account of a securities company. In this case, it is more convenient to buy funds through securities accounts. Buying funds online from fund companies is through the fund direct selling system, and the specific situation of each fund company may be different. Some fund companies buy through direct sales, and the handling fee is a little preferential, while others don't, which is uniformly implemented in accordance with the provisions of the fund prospectus. However, many funds purchase through direct sales channels of fund companies, which has a big starting point and a little share can't achieve direct sales.

For those so-called "innovative open-end funds", it is most convenient to buy only through securities accounts. For example, the advantages of 150003 Jianxin were purchased through bank channels. When the fund is converted into LOF that can be traded on the market, it is impossible to realize the transaction in the bank, and there is no obstacle in the securities company.