1, Monetary Fund. Monetary fund is a financial product with low risk and stable income. In addition to the well-known Yu 'ebao, there are many other money funds on Alipay, but there is a difference with Yu 'ebao that it is delayed by one day.

2. Fund. In addition to money fund products, bond funds and hybrid funds can also be purchased on third-party payment platforms such as Alipay, and there are many kinds of fund products, and the subscription fees are also very close to the people.

3. Conventional products. There is no fixed deposit interest rate for this kind of wealth management products, which changes according to the length of the term (for example, whether the term is one year or one week), so the capital threshold is low and the risk is not great.

4. gold. In Alipay, investors can choose to buy boss gold, in which the gold price trend and real-time reference gold price correspond to an ETF linked fund, such as boss fund ETF linked C.

Extended data:

Alipay wealth management product safety:

Alipay's wealth management products mainly include Yu 'ebao, regular wealth management products, and various funds and gold.

Yu 'ebao is a low-risk wealth management product, which can be saved. Since the launch of 20 13, its performance is obvious to all, so the balance treasure is quite safe and reliable.

Alipay also has many regular wealth management products, such as "Guo Shou An Xin Ying", "Yangtze River Pension for Half a Year", "Ping An Fu Ying for 45 days" and "Taiping Jiujiu", which are all wealth management products issued by some famous insurance institutions and securities companies, including China Life Insurance, Yangtze River Pension Insurance and Haitong Securities. These are formal large institutions, and the products issued are naturally guaranteed. Moreover, according to the Alipay page, at present, these products are paid by 100%, and there is no overdue and loss.

All kinds of fund products provided by Alipay range from low-risk to high-risk, among which money fund has the lowest risk and stock fund has the highest risk.

There are also Alipay's gold wealth management products, which also have a certain degree of risk, because the price of gold fluctuates in real time, so there may be losses.

As a well-known payment platform in China, Alipay is more responsible for consignment, similar to the intermediary platform, so the risk of Alipay wealth management products comes not from Alipay, but from the product itself. Because financial management itself is risky, there will naturally be some high-risk and high-yield products, as well as low-risk and safer products, which can be selected as needed.

Alipay salary management:

Paypal's salary financing refers to the function of automatically transferring money from the designated bank card on a fixed date and a fixed amount every month. Alipay's salary management will randomly push three products. Take Tian Honghong Yunbao Currency B, Yifangda Longbao Currency A and Boss Cash Income Currency A as examples, and their 7-day annualisation is 2.8%, 2.7% and 2.5% respectively, in which Tian Honghong Yunbao Currency B and Yifangda Longbao Currency arrive on the next trading day after they are taken out, and arrive two hours after they are taken out.

It is said that risks and benefits coexist. The products recommended by Alipay on behalf of wealth management are all money funds, and the security level is the same. From the seven-day annualization of the three products mentioned above, it can be seen that they all belong to low-risk and low-yield products, so it is not a loss to put wages into Alipay to manage wealth, but the income is relatively low.