1. Direct selling refers to the direct sale and purchase of funds by fund companies through their official channels.
The advantage is that the subscription fee is very low, and even some fund companies are directly exempted.
The disadvantage is that you can only buy fund products from fund companies. For example, in the Xingquan fund direct selling platform, you can only buy Xingquan funds, but you can't buy the funds of Bank of Communications Fund Company. You have to go to Bank of Communications Fund Company official website to buy it, so the fund assets are scattered, which is not conducive to the overall investment statistics of all funds.
Second, all other fund sales methods are consignment. For example, buying funds in traditional financial institutions such as banks and brokerages, or buying funds on Internet fund sales platforms such as Alipay, Licaitong and Tian Tian Fund, are all consignment methods.
There are several main channels for purchasing funds:
1, fund company official website.
Official website, a fund company, can be queried through search engines or fund industry associations, and a platform with large scale and good credit can be selected according to the scale of the fund company.
Advantages: Self-produced and self-sold, with low handling fee. In particular, some large fund companies have their own characteristics and advantages in business innovation, such as zero rate, rapid conversion and multi-currency withdrawal quota.
Disadvantages: Only one independent account can be opened, and you can't choose the whole market fund products at one time.
2. Securities companies.
You can choose to open a securities account online, which generally has the function of opening an account online. However, it is easier for a securities company to open an account without a fund company because it is slightly cumbersome.
Advantages: You can buy and sell stocks and funds after opening an account. It is more suitable for stock investment and on-site fund users.
Disadvantages: the transaction rate of general funds is rarely discounted, and the handling fee is more expensive. It is complicated to transfer funds from accounts to social security funds.
3. banks.
At present, most large banks have fund sales licenses and can buy funds. Buying through the bank also avoids the tedious work of repeatedly opening a bank account. For example, the establishment of diplomatic relations, investment promotion and people's livelihood between ordinary big banks such as workers and peasants can be done.
Advantages: You don't need to open a bank card, you can use the original bank card. Mobile banking is easy to operate.
Disadvantages: the transaction rate of general funds is rarely discounted, and the handling fee is more expensive. There is no convenient screening function for selecting funds.
4. Independent sales organization.
Thanks to the rapid development of China's fund industry and the reform of supervision, many Internet companies with Internet service awareness have also obtained the qualification licenses for fund sales. Through independent service organizations, all fund products in the city can be purchased for the convenience of investors.
Advantages: You can buy a full-time growth fund. The rate is generally 1 discount, which is quite cheap.
Disadvantages: Generally, there will be a limit for bank card payment, which is inconvenient for on-site transaction and cross-fund conversion.