Long term regular investment fund bank buy or securities company? 15

It is better to buy in the bank, after all, the deposits and withdrawals are in the bank, which saves a lot of twists and turns.

There is also no problem of running away or not being able to cash in time.

Five channels to buy.

1) Bank purchase: At present, almost all banks sell ** products, but the products sold by different banks are different, and one bank will not sell all products. The subscription fee is average.

2)**Sales Department open**Account purchase:**Sales Department can choose many products, but not all, the cost is the same as the bank [subscription fee.] There is a benefit to buying at the company's sales office:

Although the CSRC stipulates that ** sales cannot be discounted, brokerages have adopted a workaround method to take money from their own commissions and return them to investors. [Sometimes discounts].

3) ** company online subscription: the vast majority of ** companies support online subscription, and the online subscription rate stipulated by the China Securities Regulatory Commission is, which is 4% to 6% off the general normal subscription rate.

4) **The company opens a shareholder account to buy: **Shareholder account can buy less**, mainly buying closed-end**, ETF, LOF** and the Shanghai Stock Exchange to enter the Shanghai Stock Exchange ** platform**. Rates.

5) **Company Finance Center: Here you can buy all the issued or raising funds of the **company.

Currency**. Bonds** and principal-protected ** are exempt from subscription and redemption fees.

The front-end fee means that when you buy, the company will immediately deduct your transaction fee, and the share you get is less than the amount you invested, while the back-end fee is the opposite, you do not charge a handling fee when you buy, and then charge the corresponding handling fee according to the length of your holding time when you redeem it. (For example, if you invest 10,000 yuan and the subscription fee is 1%, if you use front-end fees, you will only get 9,900 **shares, and if you use back-end fees, you will get 10,000 **shares). **Divided into front-end and back-end fees, mainly**The company encourages investors to invest for a long time, if you hold the ** for more than 5 years, the general handling fee is 0 when redeeming.

**There are two charging methods: one is the front-end fee, which is the default one, that is, the handling fee must be paid proportionally every month, which increases the cost of regular investment. If you buy it at the bank counter, the handling fee is, buy it in the online bank, the handling fee is 68% off, and if you buy it on **company**, the minimum handling fee is 4% off.

There are also redemption fees that vary at the time of redemption. There is also a back-end fee, that is, there is no handling fee when it is ** every month, and it is charged when it is sold, but if the holding time reaches the time specified by the ** company (3 10 years), then it can be exempted from handling fees, and a lot of handling fees can be saved in the long run. Therefore, it is recommended that you choose the backend charge.

As for the ** company, the vast majority are state-owned, don't worry about going out of business, if you are not at ease, you can choose some large ** companies, such as Galaxy **, Guotai Junan, Shenyin Wanguo, Haitong**, CITIC ** and so on. Generally speaking, the company's handling fee is relatively low, you can go to the sales department to find out.

Hehe, the landlord thinks really long-term, and at 19 he began to think about his children.

But the idea is really good.

**Where to buy is the same, the bank is supervised by the China Banking Regulatory Commission, **subject to the supervision of the Securities Regulatory Commission.

You can buy currencies or bonds, which are safe and sound.

Personally, I purchased Bosera cash proceeds through CCB.

The landlord can also invest in the bank or in the company, the key is to choose a good product, under the current economic situation, the choice of bonds or HI currency ** income is relatively stable, and the safety factor is high. Generally, this type of product is charged at the back-end, that is, there is no charge when you buy it, and you are charged when you redeem it after holding it for a while. The redemption rate is determined according to each company, and the longer the holding time, the higher the probability of a low rate when redeeming.

There is no charge in the early stage of the back-end fee, and it is charged when it is redeemed, and it is generally not charged after 2-3 years of redemption.

You can buy it anywhere. **The company will definitely not run away. If you save fees, you probably won't be able to save fees.

The landlord is still doing **! It's hard to do now.

**Basically, there are only losses.

** is generally to go to the ** company ** online shopping discount is the largest, followed by the bank online banking purchase, generally can be 20% off, the bank counter is not discounted, **the company has not been, there is no need to go, if you buy more than one**, I personally feel that the bank online banking is easier to manage.

**The company first covers the comprehensive points of the investment varieties that can be selected, and the preferential rate coverage is wider than that of the bank. If you think it's okay, please support it, hehe.

The company's online trading rates are somewhat cheaper.

Pretty much. The only difference is that the subscription fee discount for the subscription ** is different.

You can also use online banking to invest directly on the company, or you can make regular investment on the bank's official website and Tiantianying's official website.

There is only one difference between purchases in these places: the subscription fee discount is high and low.

It is most convenient and fast to use online banking to make regular investment online.

CITIC can do regular investment.

**Regular investment is the abbreviation of regular fixed investment**, which refers to investing a fixed amount (such as 500 yuan) into a designated open** at a fixed time (such as the 8th of each month), similar to the bank's lump sum deposit and withdrawal method. What people usually refer to as ** mainly refers to ** investment **.

**Company refers to a limited liability company or stock company established in accordance with the provisions of the "Company Law" and the "** Law" and established with the review and approval of the ***** supervision and administration authority to specialize in business and have the status of an independent legal person.

**Go to the bank to buy a regular investment, choose a low-cost and convenient bank. Many banks levy bank card annual fees, small account management fees, ** regular investment is a small long-term investment method similar to "zero deposit and withdrawal", if you can't choose a bank that is exempted in this regard, you have to deduct these fees from time to time every year, it is definitely not cost-effective. Convenience is also a very important consideration, investors can appropriately choose the nearest and high-quality service outlets, it is recommended to consider the unit of payroll issuance or usually handle wealth management business more concentrated banks.

To set up an online bank, go to the **company**. The handling fee is more favorable.

Hello: The convenience of regular investment in the bank is that there is no need for bank-securities transfer, and money is deducted directly from the bank, but if you do it in **company, the function is more powerful, and you can also check the **trend** through the trading terminal. Individuals tend to make regular investments in **companies**.

Regular investment is a business developed by Yinzhao Stool, and the company does not have this business.

If you talk about which is better, the business bank or the company, depending on the personal risk appetite, you compare the corresponding risks and returns of various varieties than the rough, make your own consideration, if you don't know what kind of risk appetite you are, you can know if you do a set of questions and test yourself.

**Company rates are more favorable.

Banks are cheap, banks now have their own products to sell cheaper than the original, if you buy the best type or to the brokerage to buy. Currency type to bank.

Listening to his nonsense, he wants you to complete a tripartite depository task for him.

However, the company buys is also a channel to buy.

There are two ways to **company**, one is the same cemetery** as the bank**, and the other is the exchange transaction**.

The market transaction is cheaper to buy in the company, and the cemetery company and the bank are at the same rate.

You can avoid this by purchasing through online banking**, with discounted rates and location-agnostic.

Handling fee **Low for the company and high for the bank.

The company is a professional business institution, but also a three-dimensional investment platform.

Take ** alone, it can not only be sold over-the-counter like a bank, but also sold on-site like ** trading, and can also transfer ** share from over-the-counter to on-site according to your needs (for example, there is a price difference between the market and the market to arbitrage), and the **share can be transferred from the over-the-counter to the market (but only a more professional ** company can help you do this).

Also, after the most fierce market-oriented competition, the company's handling fee has been reduced to a state of small profit and capital preservation, which is not a more welcome reason for investors?

In terms of rates, it is generally a minimum of 4% off, which will vary between banks and brokers; However, it is necessary to open online banking to have discounts, and the number of ** products that can be purchased and the minimum investment limit will be different, but the bank's outlets may be more advantageous.

I recommend ** company online direct sales fixed investment, the handling fee is cheap.

But with banks, you have a wide range of options.

But there is ...... in line

Many ** companies do not have regular investment.

Each bank and ** company has its own different regulations and characteristics, let's talk about the general situation.

Advantages of bank regular investment:

1. Deduct money directly from the bank card;

Disadvantages: 1. The selection range is small, especially for small and medium-sized banks;

2. There is no handling fee discount.

**Company fixed investment.

2. There may be a discount on handling fees;

Disadvantages: 1. Before deducting the money, you need to transfer the money from the bank card to the capital account of the company.