[星光燦爛]

請教---

想買基金.
透過私人理財顧問或銀行經理買.
有沒有差別?

[ranchgirl]

Don't do it, neither 透過私人理財顧問 nor 銀行經理買, never!!!!

Direct buy from fund family!!!!

For example, fidelity.ca

[ranchgirl]

It will save you huge!!!!!!!!

Your money will work for you much much better!!!!!

[跟隨者]

ranchgirl 寫道:

It will save you huge!!!!!!!! Your money will work for you much much better!!!!!

why

[ranchgirl]

Find a book such as "mutual fund for dummies" to read.

[ranchgirl]

Read here too:

www.westca.com/Forums/...inese.html

[ranchgirl]

Be careful with advisers, they only recommand you to buy loaded-mutual funds.

the load is usually 4.5-5%, the money goes to his/her (adviser) pocket.

which means you lost 4.5-5.0% the first day you open your account. Also, whenever, you want to add money to the fund, you will lose the same percentage. The adviser may tell you to buy some fund, you will pay the load at the end, yes, that is a different class, you will lose more whenever you withdraw your money.

Say no to loaded fund! period!

You can find some book such as <<mutual fund for dummies>> or similar to read first before hand your money to your adviser.

[ranchgirl]

If you want to buy, buy directly from Fidelity, do not go through your brokerage firm. My suggestion!

why???

1) less trade limitations, more freedom
2) less possible cost, brokerage usually has charge on no-load mutual funds
3) Even your broker does not charge on no-load mutual funds(rare), but they will impose more penalties
4) Indirectly: you save fidelity money, result: your fund performs better.

Copied from my post here
my post

[春去春回來]

你不會是在自問自答吧。。。。。。

[salute]

假如在TD Waterhouse開戶，自己直接交易，賣些Fidelity的基金，、、是不是與在Fidelity開戶買基金是一樣的吧？