每日钉一下（基金定投有哪些不同的渠道，该怎么选择呢？）

Core Viewpoint - Fund regular investment is a suitable investment method for lazy investors, and the article discusses how to effectively implement it, including preparation, planning, methods, and profit-taking strategies [2][3]. Group 1: Preparation and Planning - Before starting a fund regular investment, it is essential to prepare adequately and create a solid investment plan [2]. - The article offers a free course to help individuals understand how to formulate a fund regular investment plan effectively [3]. Group 2: Investment Channels - Fund regular investment can be categorized into two main channels: on-market (场内) and off-market (场外) [4][10]. On-Market Channel - The on-market channel involves trading through a securities exchange, requiring a stock account that can be opened online [6]. - Advantages include rapid transactions and relatively low trading fees, typically between 0.02% to 0.03% commission, with a minimum fee of 5 yuan per transaction [8]. - Disadvantages include the need for manual operation and a limited selection of funds available for investment [9]. Off-Market Channel - The off-market channel allows transactions outside the securities exchange, accessible through banks, fund companies, and online platforms [10]. - Advantages include convenience in operation and a wider variety of fund options, with most platforms offering automatic investment features [11][13]. - Disadvantages include non-real-time trading, where transactions are executed at the end of the trading day, and slightly higher fees, around 0.1% for online transactions [14][16].