The first step of investment fund preparation is to choose a fund with good momentum and do this basic work well. The next step is to decide where to buy the fund. There are usually four channels for buying and selling funds: banks, fund companies, securities companies and third-party sales platforms. Of the above four places, where is the most affordable to buy funds?

1. Buy funds through banks.

Until now, most investors still think it is safer to buy funds in banks. For investors, the biggest advantage of banks is that they have many service outlets, convenient deposit and withdrawal, and are close to investors. And through the bank to buy funds, you can communicate face to face with sales staff and answer questions.

But trading funds in banks also has some shortcomings:

(1) hard injury, hard injury. Funds sold by banks usually have no preferential rates, which invisibly increases the cost of investors.

(2) If you need to go to the outlet in person, you must do it at the time specified in the working day.

(3) The types of funds sold by banks are limited, so it is difficult for investors to buy more than one fund in one bank.

(4) Banks basically sell new funds, and the scheduling cycle changes frequently.

2. Purchase funds through securities companies.

Securities companies are also traditional fund institutions. It can provide professional investment and financial services and give investors more reasonable suggestions. Moreover, there are many kinds of funds sold, especially for investors with stock accounts, lof funds can be bought and sold in the secondary market through securities companies. Generally, there is a discount on the rate, with a maximum discount of 60%.

The deficiency of securities companies in purchasing funds;

The disadvantage of purchasing funds through securities companies is that the trading time is limited, and it can only be traded from Monday to Friday (9:30 to 15: 00). I need to go to the outlets of securities companies for the first time, but the outlets of securities companies are much less than those of banks.

3. Purchase funds through the fund company official website.

Buying directly through official website, a fund company, is equivalent to getting goods directly from suppliers, and the price is naturally favorable. However, different bank cards are bound, and the preferential strength is different. Take Huaxia Fund as an example. Debit cards associated with banks such as ICBC, ABC, Minsheng and Pudong Development Bank can enjoy 40% discount on subscription, fixed investment and fund conversion, while bank cards of China Merchants Bank, China Construction Bank and Bank of Communications can only enjoy 20% discount. Because there is no need to take the agency channel, the funds will be paid faster after redemption. Moreover, official website also provides 24-hour all-weather service, which is very convenient.

However, there are still some shortcomings in direct selling in official website:

(1) Only the fund products of this fund company can be purchased, and the choice is relatively narrow.

(2) Not all fund companies have opened online direct selling business, and some fund companies' direct selling centers have no preferential rates for the time being.

4. Purchase funds through a third-party sales platform.

Although you can't buy on-site funds through third-party sales platforms, other funds are definitely "supermarkets" in terms of types and quantities. Purchase funds through third-party platforms, as well as 4-6 discount on subscription, fixed investment and conversion. Moreover, some third-party platforms also provide users with professional investment services, such as fund research reports and introductions.

The disadvantage is that it takes a long time to redeem the account, which usually takes 7 working days to arrive.