Currently, in order of risk from large to small, the above-mentioned funds are ranked as follows: futures funds, stock funds>mixed funds>bond funds>money funds.

If what you buy on Alipay is a currency fund or bond fund, especially a currency fund, theoretically speaking, it is impossible to lose money all the time. For example, Yu'e Bao, everyone has bought it for so long. Have you ever compensated? Generally speaking, when funds lose money, you buy hybrid, stock or futures funds. To give the simplest example: stock funds concentrate the small investments of public investors into large amounts of funds (we buy funds, and the small amount becomes more, for example, one person has 10,000 yuan, and when 10,000 people buy it, it is 1 billion), and then the fund managers will use this part of the funds to invest in different stock portfolios in the market. Anyone who has bought stocks knows that some people have been trapped since 2008. Although the fund managers are more professional than us personally and have large funds, they can diversify investments and reduce risks, but if you are unlucky, the few diversified stocks will all be selected as junk stocks. , then it is normal for you to keep losing money when buying funds.

However, the loss of funds is the same as the loss of stocks. As long as you do not redeem it, then the loss is only on paper. As long as you hold it for a long time, there is still the possibility of getting your money back.