When you choose to open a bank card at the counter or online, you can choose "micropayment" to verify the bank card.

At present, there are three main channels for fund sales: fund company direct sales center, bank agency outlets and third-party agency outlets.

First of all, banks and third-party companies are both fund sales organizations and channels for fund companies to sell funds. To buy a fund, you must first open a fund trading account in a bank or a third-party company, so that you can buy and sell a single fund under the fund company, and you must also open a TA account before buying funds from other fund companies.

The process of opening an account or buying a fund in the three ways is basically the same: bring my ID card, mobile phone and current bank card to the counter or go online directly.

Advantages and disadvantages of subscribing for funds through various channels:

1, fund company direct sales center:

The advantage is that you can open an account, confirm (apply for) purchase, redeem and other procedures through online transactions, and enjoy preferential transaction fees, regardless of time and place;

The disadvantage is that when customers need to buy products from multiple fund companies, they need to go through relevant procedures in multiple fund companies, and investment management is more complicated.

2, bank outlets for sale:

Advantages are many bank outlets and convenient deposit and withdrawal;

The disadvantage is that the products of fund companies sold by various bank outlets are limited, and a bank can only buy funds represented by this bank when opening an account, generally focusing on new funds;

In addition, investors need to go to and from outlets to go through the formalities (purchase and redemption can only be handled at the counter). The purchase and redemption of third-party consignment agencies can be operated directly online or on mobile phones.

Finally, the handling fee of the bank consignment fund is the subscription or subscription fee of the fund company and will not be discounted. The redemption fee shall be charged according to the regulations of the fund company. Generally speaking, at the time of redemption, it is T+7 in the bank, that is, it takes about 7 days after redemption to get the funds. The handling fee can be discounted when the third party sells the fund.

3. Sale by a third-party company:

The advantage is that the products of most fund companies are generally sold on a commission basis, with a wide range of choices, while banks can only buy designated funds.

The research team and analyst team are stronger and more professional, with one-on-one account managers. The bank is only responsible for agency sales. Generally speaking, they don't know much about funds, investors don't have specialized analysts, information is not reflected in time, and investment advice is rare.

Most importantly, through the third-party platform, the purchase fund is more favorable in the subscription (subscription) rate. The following is the best rate discount-Diancaitong free subscription service. The operation method is: make an appointment by phone or online, fill in personal information and membership type, pay online or remit membership fee to a given account. After confirmation by the staff, the subscription fee for purchasing the fund can be returned to the bank card for purchasing the fund in batches in time. (Source:/)