How about Alipay voting for you?
Helping you invest is a smart investment product launched by Alipay, which can also be understood as investment service. It is jointly launched by Ant Financial and Pioneer Pilot.
A simple understanding is to judge the user's risk tolerance after risk assessment, and then formulate an investment strategy portfolio within the risk tolerance range and suggest annualized income targets for users. That is, users pay money, and professional companies help you manage money and buy funds. As for the specific situation, let's take a look.
1 Background: Help you to vote by Ant Financial and Pioneer * * *, help you to vote directly on Alipay platform, and all the qualifications can be traced back. Pioneer Pilot is a brand publicly offered by American fund companies, and ranks as two major fund management companies in the United States together with Fidelity Fund.
Product: Plan investment for you according to the risk tolerance of users. As long as the user answers truthfully in the risk test, there will be basically no big problems. And the minimum investment fund for you is 100 yuan, which can be said to be a low investment threshold.
Handling fee: As your investment needs to be charged a certain fee, according to the page, the strategic service fee is calculated on a daily basis, and different investment strategies have different charging standards. It is about 0.0007% to 0.00 14% of the total assets on that day, and 0.25% to 0.50% of the total annualized asset management.
4 Income: According to the feedback from many netizens, the investment targets of low-risk people are mainly fixed-income funds, with less risk, but the same income is also very low. In fact, in this way, the investment service fee plus some handling fees of the fund is likely to offset the income. We might as well learn some financial knowledge ourselves and choose a low-risk fixed-income fund.
Based on the above, Alipay is more suitable for novice Xiaobai to buy it for you, but it is best to learn some fund knowledge yourself. In addition, it should be noted that any investment has certain risks and should be chosen rationally.