As a kind of Public Offering of Fund, the pension target fund can actually be used as an ordinary Public Offering of Fund for subscription after listing. Here we mainly give you four purchase channels, each channel has advantages and disadvantages, but as far as we are concerned, it is the most cost-effective to go directly to the fund company to buy. The following are four subscription channels for pension target funds.

Purchase channel 1: bank

Advantages: Buying a foundation in a bank can reassure investors because the bank has a strong credibility.

Disadvantages: Banks have to charge higher purchase fees.

When you go to a bank to buy a pension fund, you must first determine whether the bank is qualified to sell the pension fund, then open a fund account in the bank that sells the pension fund, and then fill out the purchase application form as required, so you can buy the pension fund at the counter.

Purchase channel 2: securities companies

Advantages: There is no need to open an account again, and the procedures for purchasing products are convenient.

Disadvantages: the fund information display is not comprehensive, and investors can't clearly understand the current situation of investment funds.

If you are an investment veteran and have a stock account in a securities company, you can directly use this account to buy pension funds. Basically, large securities companies will sell all fund products on a commission basis, and there is no need to re-open an account to buy fund products.

Purchase channel 3: fund company

Advantages: there is a direct discount rate for purchasing products.

Disadvantages: The opened fund account can only purchase the company's fund products. If you want to buy other funds, you need to open another account.

In fact, you can buy pension target funds directly from fund management companies. Whether it is the fund company official website or the mobile APP, the purchase procedure is very simple. As long as you successfully open a fund account, you can buy products directly from the fund company.

Purchase Channel 4: Integrated Platform

Advantages: simple operation and fast purchase and redemption.

Disadvantages: the rate discount is not as low as that of fund companies.

For example, Alipay supports everyone to buy various funds. It is very convenient to buy funds on Alipay, whether it is subscription or redemption. At the same time, the service quality of the big platform is also very high, and the safety of funds is reassuring.

We believe that each subscription channel has its own characteristics, but from the perspective of cost performance, it is undoubtedly the most economical to purchase pension target funds directly from fund companies. Of course, if the preferential rate of the comprehensive platform can be the same as that of the fund company, then it is also good to buy the pension target fund on the comprehensive platform.

Introduction to popular reading:

What is the pension target fund?

What is the expected return of the pension target fund?