Which platform is the cheapest to buy funds?
1, bank counter
This can be said to be the most traditional way to buy funds. Go to the bank counter through the bank card and buy through a specific teller. I remember seven or eight years ago, many tellers often introduced funds to elderly depositors in banks, especially ICBC, the "cosmic bank". This kind of purchase channel is inefficient, and the funds sold by different banks are different. As far as I know, ICBC should have the most varieties. For funds, I used to prefer to find a bank to sell them on a commission basis, because banks face the most customers, and most of them believe that the fund products launched by banks are easy to trade.
Subscription/subscription rate: Generally, there is no discount. Stock type and hybrid type are more expensive, generally 1.2% subscription fee, 1.5% subscription fee.
(Subscription refers to the expenses purchased during the initial fund raising period, and subscription refers to the expenses purchased after the fund is formally established. )
Here, by the way, I would like to mention the subscription fee law of open-end funds:
Generally speaking, according to different types of funds, the order of subscription rate from high to low is: stock type (2%~ 1.5%)≥ mixed type (2% ~ 1.5%) > QDII (about 1.5%) > index type (/kloc).
2. Brokerage institutions
Go to the counter of a brokerage firm or your own securities trading account, and you can also buy an open-end fund. Suitable for friends who are trading stocks. Brokers, like banks, also belong to the agency channel of funds, but relatively few people buy funds through brokers, brokers generally sell fewer funds than banks, and investors can choose fewer varieties. Note that the purchase of open-end funds should be under the special "funds" column. Generally, there are "funds" under the "stocks" column to buy, but those are on-site funds and do not belong to the off-site funds we are talking about here.
Subscription/subscription rate: Generally, there is no discount.
3. Direct selling by fund companies
If you buy directly from a fund company, or apply in a specific fund company in official website, you will take the "fund direct sales" channel. This method is suitable for you to choose a fund in advance, or buy a group of funds under the company. Fund companies will only sell their own funds.
Subscription/subscription rate: If you buy from official website, the exchange rate will be favorable, mostly 20% to 40%, and some funds have lower rates.
4. Bank online banking
With the comprehensive upgrade of online banking and the launch of online banking APP by major banks, citizens no longer have to queue up at the counter to buy funds. Although this channel for purchasing funds is more convenient than offline purchase, it is somewhat tasteless. First of all, many banks have poor online banking app experience and low usage rate. Second, some banks' online banking can't support the function of fixed investment. Third, the rate is opaque.
As shown in the figure, he bought his own fund through ICBC's online banking, but it is not easy to see what the subscription rate is.
Subscription/subscription rate: different banks are different, and it is possible to hold limited-time subscription preferential activities, but in most cases there is no discount.
5. Alipay, JD Finance and other platforms
You can also purchase funds through Internet consumption platforms such as Alipay and JD Finance. Because these giant platforms have huge user traffic, they have become the consignment channels chosen by more and more fund companies. Starting from 20 16, the number of funds sold by these platforms is also increasing.
Alipay Portal: Home-More-Ant Wealth-Selected Funds.
Jingdong Finance: Home-Fund.
These platforms are also promoting fund business. For example, if you buy funds through the platform, you can get "points", and JD.COM can even directly deduct money.
Subscription/subscription rate: for funds promoted by their respective platforms, the subscription fee is mostly 10% off.
6. Websites of large fund institutions
Mainly Tian Tian Fund Network and Haobu Fund Network. I personally suggest buying through this channel. First, there is a wide range of funds to choose from. For example, Tian Tian Fund Network can buy nearly 4,000 funds. Second, we can get detailed fund data, ranking and evaluation reports, which is convenient for us to judge the funds to be purchased; Third, the cost is very low, and most of them are discounted; Fourth, the fixed investment function is more convenient, so you can know the fixed investment income at any time and change the fixed investment strategy.
Subscription/subscription rate: Most subscription fees are 10% off.
Cost-saving skills
1. Convert monetary funds into other funds.
This method is suitable for buying fund companies in official website. Some fund companies stipulate that the subscription fee can be further discounted when the happy dead funds are converted to each other, and even after reaching a certain holding time, the subscription fee can be exempted.
We know that money funds generally do not have subscription fees. Suppose we choose a hybrid fund of a fund company, we can buy one of his money funds first, and then convert it into other funds under the company, and there are often further subscription fee concessions ~
2. Select the "back-end payment" method.
We buy funds in two ways: front-end payment and back-end payment. The front end pays the subscription fee when buying, and the back end pays the subscription fee when selling. This method is especially suitable for use when the subscription fee is not discounted and we happen to buy a lot, so that the subscription fee can be left in the wallet and earn more interest for us. In addition, when making a fixed investment, you can also use the post-payment method to reduce the purchase cost.
Where is the cheapest capital handling fee?
At present, there are four main channels for purchasing funds:
1, fund company (website)
2. Banks (websites)
3. Securities account
4. Third-party payment platform
Many websites can be divided into three platforms, just like selling skin care products: direct selling, consignment and secondary consignment.
Direct selling: refers to the fund company selling its own funds. Because it is "factory direct sales", there is no intermediate link, and the purchase and redemption cost is the lowest. The disadvantage is that the selectivity is very small. Each company only sells its own products. If you want to buy other goods, you must go to the website of another fund company to open an account.
Consignment: just to make up for the shortage of direct selling goods, third-party platforms focus on selling various funds and provide comparative evaluation. One-stop service has greatly facilitated gay friends. Similarly, the disadvantage is that the procedures will be higher.
At present, there are many good consignment platforms in the industry, such as Tian Tian Fund Network, Jimmy Fund Network (which has settled in Ant Fortune) and Haomai Fund.
Secondary consignment: it is a consignment in consignment. Generally, platforms that focus on operating financial communities, such as digging money, writing notes and her financing, will help to sell funds on a commission basis. For example, digging for money is to help Jimmy sell the fund on commission.
Each of the three methods has its own advantages and disadvantages, and whoever uses it knows.
Haobu.com, Tian Tian Fund Network and Ant Wealth are frequently used. Although the subscription and redemption fees are not as cheap as direct sales, in recent years, these consignment platforms are fiercely competitive, and major e-commerce companies have stepped in. In order to win traffic, everyone spared no effort to hold various preferential activities. As the saying goes, gay friends people are very happy.
Counting the time cost, I recommend you to choose the latter two.
In addition, although the secondary consignment platform can sell funds, it has not actually obtained an independent fund sales agency license approved by the CSRC (according to public data, there are currently 303 institutions with fund sales licenses), so it can only sell secondary funds.