Case: Company colleague Yang is an old employee. His salary is usually deposited in the bank. With the continuous reduction of bank interest rates, he is now buying insurance wealth management products at the bank. However, insurance wealth management products usually have a long term, which leads to poor liquidity. Recently, he consulted his colleague Xiao Zhang to recommend good financial products. According to Lao Yang's situation, Xiao Wang recommended him to buy relatively stable fund products with good yield, but the problem came again. Where should the fund buy?
There are several ways to buy funds, each with its own advantages and disadvantages.
1, bank agency. Through online banking or mobile banking APP, you can purchase the fund products sold by the bank, and the purchase cost is directly deducted from the bank card. The advantage is that the purchase cost is high, the disadvantage is that the discount is very small, and if it is redeemed, the period will be very long, because the redemption of bank funds will go through two processes, one is the bank and the other is the fund company.
2. Fund website. You can check the funds that have increased through online banking, and then open an account at the corresponding fund website to purchase. The advantages of this purchase method are low handling fee rate and convenient purchase; The disadvantage is that you can only buy funds under the fund company. When you need to buy more than one fund, you need to open an account on the websites of different fund companies.
3. Fund website. Professional fund sales websites include Tian Tian Fund Network and Haobu Fund Network. The advantage of this purchase method is that you can compare various funds, and there are many purchase options, and the handling fee will be preferential; The disadvantage is that there are too many types of funds, and it is more troublesome to choose. In addition, it is best to buy on Monday when buying, so that the income will be calculated in advance.
In addition to the above three fund purchase methods, there are many websites selling money funds, such as Jingdong Finance, Baidu Finance and money funds under major banks.
In short, the choice of funds is more suitable for office workers, but the choice of fund types should be cautious. If you choose a few funds with good returns, the long-term holding rate of fixed investment is still considerable.
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