The first kind of bank purchase is mainly from the bank’s online bank. I use China Merchants Bank and ICBC online bank to purchase. The two online banks do a good job and the interface is very convenient. You can also buy funds from fund companies at the same time, but seriously
, the fees are really expensive, and there are generally no discounts for bank purchases. For example, with Baoying Resources’ preferred hybrid fund, we will not mention the subscription fee. It must be issued during the subscription period. It is usually a subscription fee and a redemption fee. The subscription fee is divided into front and rear fees.
, the standard front-end fee is less than 1.5 million, no matter how long you invest, % of the handling fee will be deducted when you purchase.
The back-end charging standard is the holding period (N), N ≤ 1 year, the rate is 1.8%; 1 year < N ≤ 2 years, the rate is 1.0%; 2 years < N ≤ 3 years, the rate is 0.6%
; N>3 years the rate is 0, that is, the longer the holding time, the lower the handling fee, and the subscription fee is waived for more than 3 years.
If you plan to invest for the long term, it is more appropriate to choose back-end charging.
Let’s talk about the redemption fee first, which is the fee when redeeming the fund and the holding time.
(N), N≤1 year, the fee rate is 0.5%; 1 year
It can be seen that this fund is indeed not suitable for short-term investment, but suitable for long-term allocation.
However, there is no discount on the handling fee for purchasing funds through banks.
As for different funds, the handling fees may not be exactly the same.
Please check rates before purchasing.
Some funds do not support back-end payment of subscription fees.
The second is to purchase through the official website of the fund company.
I haven't actually operated this yet, because I think I should open separate accounts to buy funds from different fund companies. It's easy for me to forget, and the operation is also very troublesome.
However, buying funds through the official website of the fund company usually has a lower discount, which may be lower than third-party trading software.
After all, it is direct and only sells the funds of its own company. If you only invest in 1-2 fixed funds and do not need to open many accounts with fund companies, this is a good channel.
According to the latest data from the China Securities Regulatory Commission website, since 2012, 107 third-party fund sales licenses have been issued, including 44 Sino-foreign joint ventures and 63 domestic companies; 12 securities companies or securities company asset management subsidiaries, 1
Home insurance company.
However, the market share gap between these more than 100 third-party sales organizations is huge.
The first recognized third-party fund sales organizations are Daily Fund Network, Ant Jubao and Ping An Land Gold Research Institute of China, which respectively support Alibaba’s Oriental Fortune, Ant Financial and Ping An of China.
Since its opening in 2012, in the past five years, some institutions have seized the opportunity and carved out a rich cake, while other institutions have been "big money" nearby and seized customer resources through fierce "rate wars".
Although many non-industry institutions want a piece of the pie, third-party fund sales institutions have to face declining income after the sales resources brought about by the bull market in the first half of last year increased significantly.