With the improvement of the investment consciousness of the whole nation, more and more investors take the investment of the fund as the first choice for investment and financial management. The most common channels to purchase open-end funds are two kinds: one, third party fund selling platform, such as banks, securities companies, and the Alipay that has emerged in recent two years. Two, online direct selling, through the Internet to fund companies directly purchase. Both consignment and direct marketing have their own advantages.
Banks are the most common and very important channel for selling funds on a commission basis. Many people buy the first fund is to go to the bank to deal with business after the financial manager's recommendation and purchase. Basically every fund company will establish cooperative sales relationship with different banks. The biggest advantage of purchasing funds through banks is convenience. Basically, bank outlets can be found everywhere. With the promotion of paperless office, more and more business of banks can be handled through mobile banking. Whether you want to get face-to-face recommendation and communication from the financial manager or to buy a fund at home is very convenient.
But there are also some disadvantages in buying funds through banks
First, the funds sold by each bank on a commission basis are limited. If you want to build a complete fund portfolio, the funds sold by banks may not meet your needs.
Second, you can only bind this bank's bank card to purchase funds. A person's life-long financial planning includes not only funds, but also insurance and other investments. At the same time, you need to use other banks to purchase other funds and do other financial management. If this card is also your salary card or cost of living card, it may bring about management confusion Chaos, because a very important concept in financial planning is to achieve account isolation, special card for special use, so as to adhere to the financial planning well.
Third, if you buy at the bank counter, you must pay attention to that the financial manager may not recommend you from the perspective of your personal needs, because the bank has sales tasks, and you may become the victim of his performance.
Like banks, there are securities companies and third-party fund platforms, such as Tiantian fund. Securities companies and banks have similar advantages and disadvantages in purchasing funds. There are not many choices for funds, but there are more choices for securities companies to bind bank cards. You can bind a bank card as a special financial account, and you can buy stocks or funds.
The third-party fund sales platform is also my personal favorite platform. Among all kinds of investment and financial products, my investment fund share is the largest. I choose the daily fund, which gathers most fund varieties, and can choose to bind a lot of bank cards. I can adjust my fund portfolio at any time without worrying about finding a suitable alternative fund 。
Investment funds also have a very important channel is the fund company online direct sales. You can purchase funds through the official website of the fund company or download the mobile phone software of the corresponding fund company and bind the bank card to buy the fund. There are some advantages in purchasing funds through fund companies. First, it is cheap. It is the most cost-effective way in all channels. Then, the funds you buy through fund companies can be converted among various funds issued by the company. That is, it is very convenient to change the fund held directly into another fund. Of course, its disadvantages are obvious: the fund variety is limited. You can only buy the funds of the fund company. The management team of the same fund company is the same. Different fund companies may have their own unique operation style. Purchasing the products of the same fund company is not conducive to the diversification of investment.
If it was you, what channel would you choose?