The rates of banks and brokers are relatively high as a whole, while the rates of third-party platforms and direct selling platforms are relatively low. However, in recent years, funds are hot, and it seems that in order to attract customers, all channels have begun to lower their rates. In the eyes of the industry, it is the general trend to reduce the handling fee for fund sales.

The rate of each fund is different, and the discount intensity of each channel will be different, and these channels have their own strengths, so we can learn more about them and choose the right fund trading channel.

1 Bank: Previously, because the bank has always been regarded as the safest and most reliable place to store funds, it is one of the main forces in fund sales. However, banks only act as commission agents. The fund we bought is not issued by the bank, and the profit and loss have nothing to do with the bank.

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And compared with other channels, the bank's fund subscription fee has no obvious advantage and may even be higher. Under normal circumstances, funds may need a subscription fee of 1.5%, but in recent years, the discount is relatively large, and some fund products even have a 10% discount.

2 Securities companies: Securities companies can buy both OTC funds and OTC funds, and the handling fee of OTC funds is generally cheaper than that of banks. In the past, there were few discounts, but in recent years, brokers have also launched large-scale preferential activities. Some brokers give 0. 1 discount to the subscription rate of funds, and some even give it free. If it is an on-site fund, you only need to deduct the commission, but there is a big difference between on-site funds and off-site funds.

Trading and operation are more similar to stocks.

3 Internet consignment platforms: Some Internet third-party consignment platforms, such as Tian Tian Fund, Good Buy Fund, Alipay, WeChat Finance, etc., usually have many discounts on handling fees compared with the first two channels, and most platforms will discount the rates. Especially now Alipay has become a big platform favored by many novice investors, which is very convenient and fast to use. But for people with rich investment experience, the function may not be complete, and they will prefer a rich platform like Tian Tian Fund.

Many people worry that investing through such a platform will be risky, but as long as it is a legitimate third-party platform, the security is definitely guaranteed. If you want to see whether a third-party platform is formal, you can go directly to official website, the CSRC. Or check whether there is a license of the CSRC on the platform official website.

4 Fund companies: Buy funds directly from fund companies, including official website, WeChat, APP, etc. It can be said that there is no middleman to earn the difference, and there is usually an advantage in the rate, and there are often discounts, which is still very strong, but the gap with third-party platforms is not particularly large. It's just that fund companies only sell their own products, so it's not convenient for us to buy them.