侃股：散户投资者不必太在意券商佣金费率

Group 1 - Many brokerage firms are lowering commission rates to attract retail investors, but for many, the commission rate is not as significant due to minimum commission policies [1][2] - The reduction in commission rates has led to a situation where, for small investors, the commission fee becomes less relevant once it reaches a certain low point [1][2] - Investors with smaller transaction amounts may benefit more from negotiating the removal of the minimum commission rather than focusing solely on lower commission rates [2] Group 2 - The trading habits of investors significantly impact their overall trading costs, with long-term holding strategies potentially leading to greater profitability despite minimum commission fees [3] - Frequent trading can result in high cumulative trading costs, making it essential for investors to reduce trading frequency to manage expenses effectively [3]