What are the channels for fund sales?

There are three main channels for fund sales: Direct Selling centers of fund companies, bank consignment outlets, and securities companies' consignment outlets. Now the postal savings outlets have become the fourth channel for fund sales. A few other professional fund sales companies can sell funds.

　　What are the differences between fund subscriptions through different channels?

Direct selling center of fund companies: the advantage is that you can use online transactions to handle account opening, purchase (approval), redemption, and other procedures, and enjoy preferential transaction service fees, not limited by the time and place; the disadvantage is that when customers need to purchase products from multiple fund companies, they need to go through relevant procedures in multiple fund companies. Investment Management is complicated. In addition, investors need to have the appropriate equipment and Internet access conditions, and have strong network knowledge and application capabilities.

Bank outlet consignment: The advantage is that there are many bank outlets and it is convenient for investors to deposit and withdraw funds. The disadvantage is that each bank outlet has limited products and generally focuses on new funds. Investors need to go back and forth to outlets for handling procedures.

Securities companies: the advantage is that securities companies generally sell the products of most fund companies on behalf of a wide range of options. The account managers of securities companies have professional investment capabilities and can provide good analysis suggestions, various fund transaction procedures can be implemented through online transactions and telephone commissions of securities companies. Funds are transferred through bank certificates, and securities, funds, and other products can be managed in one account; the disadvantage is that securities companies have fewer outlets than banks, and they need to go to securities companies for the first time to handle their business.

　　How do I select a suitable channel to buy a fund?

For investors with strong professional competence (able to analyze fund products and handle services online), it is a good choice to choose fund company direct sales. As long as you have enough energy, you can perform fund investment management through product analysis and comparison and online transactions.

For older middle-aged and elderly fund investors, it is suitable for choosing bank outlets and securities companies around them. Because of the large number of bank outlets, it is relatively convenient; To go to a securities company, you can choose an appropriate fund through the advice of the account manager of the securities company through the counter and other methods.

For working-class employees or young white-collar workers, it is more suitable to achieve one-stop management through securities company outlets, manage multiple investment products through one account, and operate through online transactions or phone calls, helping improve the Fund's investment income level with the professional advice of securities companies.

　　Is the process for purchasing funds from different channels the same??

The process for opening or purchasing funds at fund companies, bank outlets, and securities companies is basically the same:

First, fill in the open fund account application form at the outlet counter → submit the completed form and valid certificates to the business staff at the counter → set the transaction password and query password by the customer → the counter staff reply to the account receipt → on the T + 2 day, the customer can query the application confirmation result by phone, online, or at the agency outlet.

Information required for opening an account at the counter:

① Original valid ID card (including resident ID card, police officer's ID card, military officer's ID card, soldier's ID card, and passport );

② Use your current bank card or passbook for bank card transfer.

Then, you can purchase and redeem funds by phone, online transactions, or at the counter.