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Core Viewpoint - The article discusses the increasing popularity of mutual funds as an investment tool and highlights the importance of choosing the right purchasing channel to avoid high fees and risks associated with fund investments. Group 1: Sales Channels - The mutual fund sales channels have evolved from traditional bank counters to a four-pronged structure including banks, securities companies, direct sales from fund companies, and third-party platforms [3]. - Banks remain the traditional leaders in fund sales, accounting for 35% of the market in 2023, primarily serving middle-aged and elderly investors seeking safety and personal guidance [4]. - Securities companies have captured 22% of the market share in 2023, appealing to stock investors with lower fees and specialized services [7]. - Direct sales from fund companies have gained traction, representing 18% of the market in 2023, offering cost savings but limited product variety [8]. - Third-party platforms like Alipay and TianTian Fund have rapidly attracted a young audience, with over 300 million users in 2023, due to their low entry barriers and social features [11]. Group 2: Key Advantages of Each Channel - Banks provide a wide range of products, from money market funds to QDII funds, and offer face-to-face consultations, which are preferred by older clients [5]. - Securities companies facilitate ETF trading with zero thresholds and low transaction fees, while also providing professional advisory services [9]. - Direct sales platforms allow investors to purchase funds directly from the company, often at lower fees, but may lack the diversity of offerings found in other channels [8]. - Third-party platforms enable simplified operations with low minimum investments and features like automatic investment and social interaction, making them appealing to younger investors [12]. Group 3: Fee Structures - Bank sales typically have higher hidden fees, with subscription fees ranging from 1.2% to 1.5%, while other channels can offer fees as low as 0.1% [5]. - Securities companies often provide significantly reduced fees, with subscription fees around 0.1% and potential waivers for long-term investors [9]. - Third-party platforms generally have the lowest fees, often around 0.1%, and frequently run promotions to waive subscription fees altogether [12].