Want to buy some funds, which platform will be safer to buy?

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We talked a lot about fixed investment, including how to make more money from fixed investment, how to deal with the loss of fixed investment, how to take profit and so on. But we have never talked about where to make a fixed investment. Some time ago, some investors asked: There are many platforms for fixed investment of funds. In addition to traditional banks, securities companies and fund companies, there are also some third-party sales platforms and even some self-media financial management platforms. I don't know which to choose.

Everyone is speculating on investment, but where to make a fixed investment is really a problem. Today, we will talk about the difference between the fixed investment of each platform.

I. Banks

As one of the three earliest channels of fund sales, bank agency accounts for the bulk. On the one hand, there are many bank outlets, which is very convenient; On the other hand, banks give people the impression that they are the most secure (but in fact, as long as they are formal fund sales platforms, the security of funds is guaranteed).

There are two ways to make a fixed investment through the bank:

Network management, opening a fund account and signing a fixed investment agreement; Online banking can be done through PC or App. Investors can directly open a fund account online and then sign a fixed investment plan. After signing the fixed investment plan online, the operations such as query and modification can be carried out online without "running" outlets. Obviously, the latter is more convenient.

However, it should be noted that when buying funds in banks, the rate is usually not discounted, and the operation steps of the bank's online banking system will be relatively cumbersome, such as collecting personal information. In addition, the number of funds sold by banks is limited, and the number of funds sold by Bank of Communications is the largest, only more than 2,700, which means that there are fewer targets available for fixed investment.

Second, securities companies.

In addition to banks, the earliest channel for fund sales is securities companies. Similar to banks, there are two ways to make fixed investment through securities companies:

Network management, opening fund accounts; Open an account with your mobile phone and sign the investment plan directly on the App. The special feature of fixed investment through securities companies is that the brokerage platform can buy on-site funds, such as ETF and LOF funds. It's just that if it's a fixed investment in the venue, it needs to be fixed manually, which will be more troublesome. Need to be reminded that if you buy funds on site, remember to ask the wealth management manager to reduce the handling fee for you, which can generally be adjusted to 0.02%-0.03% like stock commission, and 5 yuan will be charged for each insufficient purchase according to 5 yuan.

Of course, the fixed investment of securities companies also has shortcomings, and most of the rates are not discounted. And it is relatively troublesome to switch funds back and forth.

For example, the money from the fixed investment is deducted from the securities account, which means that you need to "deposit securities" first, but now every family will have an account similar to "money fund", you can put the money in first to earn income and deduct it directly from it on the day of the fixed investment; Also, after the fund is redeemed, the funds are returned to the securities account first, and you need to "transfer the securities to the bank" and transfer them to the bank account before you can withdraw them.

In addition, the number of funds sold by securities companies is limited.

Data deadline: 2019.07.11

Third, fund companies.

The traditional fund sales channels are fund companies other than banks and securities companies. Different from the former two, the fund company belongs to direct selling, that is, it directly purchases and redeems the fund company or the fund company's website.

The advantages of fund direct selling are:

1) The transaction speed is faster and the receiving efficiency is higher.

2) The rates are also relatively cheap, starting from 1 (some are completely free), but there are many restrictions. Take XX Fund Company as an example. The direct purchase and fixed investment fund rates of different bank cards are different. It is recommended to carefully check the preferential situation when making a fixed investment.

3) Support fund conversion to save money. When the fund becomes "bad" or the performance of the fund is generally unsatisfactory, the position can be adjusted through fund conversion, which saves both expenses and time.

4) Individual fund companies have fixed investment strategy products. Different from banks and securities companies, individual fund companies will develop their own fixed investment strategy products, such as smart fixed investment, which have their own characteristics.

However, the biggest problem of fixed investment through fund companies is that they can only invest in the products of fund companies and cannot freely choose the products of other fund companies. If you want to invest in funds of multiple companies, you need to open accounts in different fund companies. Moreover, it is not convenient for some fund companies to open accounts in official website, and the experience is not very smooth.

Fourth, the third-party sales platform

In 20 12, the central bank began to apply for a fund license to third-party financial institutions, and Haobu Fund was one of the first four institutions to obtain a fund sales license. With the channel change brought by the mobile Internet, the sales force of the fourth fund began to rise, and the previous situation of "one dominant company" also quietly changed.

Let's talk about the characteristics of the third-party sales platform:

1. Simple account opening and convenient transaction.

Whether through PC or App, it is easier to open an account on a third-party sales platform. By binding the bank card, you can sign a fixed investment plan and complete all the operations in a few minutes. Moreover, the threshold for fixed investment is lower, and100,200 can be fixed; Deduction frequency and specific deduction date can also be selected by yourself.

2. Low interest rates

Most third-party sales platforms have reduced the subscription fee to 1%, including good buy funds.

3. There are many consignment funds.

The types and quantity of consignment funds are more comprehensive. For example, the Good Buy Fund covers almost all Public Offering of Fund in the market (as of 2019.07.11,and the number of consignment funds is 43 18). In the "fund supermarket", you can freely choose funds for fixed investment.

4. Professional services

Some third-party sales platforms have professional research teams behind them to provide professional services.

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Disclaimer: The content of this article is based on public information and does not constitute investment advice. Investors should make careful decisions and take risks independently.