In the process of fund investment, the fund fee is not a small cost and cannot be easily ignored. Let's look at the cost of investment funds. Which channels to choose to buy can save money.

I. Operational costs

Fund operating expenses include management fees, sales service fees and custody fees. These three expenses are directly deducted from the daily fund net value. Although we didn't feel it, we still bear the cost.

The fund management fee is the money we entrust the fund company to manage the fund. After all, how can I work without money? The fund custody fee is to prevent fund companies from misappropriating funds. Public Offering of Fund's funds are placed in the custody of the bank, and the bank will not be busy in vain, so we have to pay this custody fee.

Sales service fee means that the fund company will charge a service fee in order to sell on a third-party platform or bank, and the sales platform will not help in vain. For example, for the fund on Alipay, the corresponding fund company should pay Alipay a service fee, which will be paid by the basic people.

Second, subscription fee and redemption fee.

Subscribing to a new fund is called subscription, and subscribing to an old fund is called subscription. Generally speaking, the subscription fee is cheaper than the subscription fee. If you buy funds through different channels, the subscription and redemption fees will be different. If you want to reduce costs, you have to use your brains in this regard.

Generally speaking, there are four channels to buy funds, namely, direct selling by fund companies, online agency, brokerage agency and bank agency. From the perspective of rate concessions, the official direct sales discount is the biggest, and the Internet agency discount is also good. Brokerage agency and bank agency have the lowest cost performance, and there is basically no cheap account.