Fund is a very common investment category, and the investment threshold is not high, so many ordinary investors participate in the purchase. In addition to the expected return of fund investment, transaction cost is also one of the issues that investors are generally concerned about. Fund purchase mainly includes four channels: banks, fund companies, securities companies and third-party sales platforms. The transaction rates of different channels are different, so which platform to buy funds has lower handling fees?

1. What are the fund fees?

Fund fees mainly include subscription fees, redemption fees, management fees, custody fees, etc., all of which are borne by investors themselves.

Fund subscription fee refers to the fee paid by investors when they buy fund shares, and redemption fee refers to the fee paid when they redeem fund shares. Management fees and custody fees refer to the fees paid to fund management companies and custody banks respectively.

Among them, the subscription fee and redemption fee are charged at one time, while the management fee and custody fee are deducted at the end of each day. Except for money funds, most funds have to pay redemption fees, but the longer the funds are held, the lower the redemption fees will be, and there is basically no need for redemption fees for more than three years.

2. Which platform has a lower fee for purchasing funds?

Because the fund is issued by the fund company, the subscription fee purchased through the fund company is relatively cheap, and it can even be purchased at the most favorable time at the rate of 0.

Banks, securities companies and third-party platforms are all consignment agencies, and generally earn the difference from them, so the subscription fee is relatively high. Among the three, the subscription rate of the third-party platform is relatively low, which can generally be 1 discount. Followed by securities companies, the subscription fee is slightly lower than that of banks, and most banks have a subscription fee of 20% or even no discount.

The above content about which platform to buy funds has a lower handling fee, I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.