Is Alipay Gold Investment Reliable?
Alipay buys one yuan of gold from Huaan Gold, Bosera Gold and Yifangda Gold. We can click on the "Gold" interface from Alipay Financial Channel to find the preferred boss gold, so today we will take boss gold as an example for analysis.
Alipay's one-yuan purchase of gold is only the minimum investment threshold and belongs to medium-risk investment. However, here we are not buying gold directly, but investing in gold and its derivatives. Its full name is "Boss Gold ETF Connection C", and the position report shows that its products are mainly used for fund investment.
(Data deadline: 202 1.06.30)
Its risk-return characteristics have shown that the overdue income and risk level are higher than those of money funds, bond funds and even hybrid funds, and you still need to consider your own risk tolerance when investing. Although it may not fluctuate like a stock fund, it also has the risk of losing its principal.
(Deadline for data: 2021.12.31)
From the perspective of income, it has not been as good as the previous performance benchmark, so the overall income situation is not very good. However, historical performance is for reference only.
Alipay can set up an automatic fixed investment of one yuan to buy gold, and its profit and loss are mainly related to the rise and fall of gold prices according to market conditions. Although the page shows that investors can withdraw real gold at any time after purchase, we still need to pay a handling fee of several hundred yuan from the interface of the physical gold exchange.
In addition, although the subscription interface shows that the subscription rate is 0, redemption within 30 days after subscription will generate redemption fees. In addition, there will be some management fees, custody fees and sales service fees in the process.
As far as the gold investment and wealth management project is concerned, it is launched by Alipay platform, and the fund security protection of the platform is relatively in place. In addition, from the perspective of the fund company of this product, it is large in scale and well-known.
Generally speaking, there is nothing wrong with the platform, just to see if we can accept medium-risk investment products. If you have a certain understanding and forecast of the trend of gold price, it is also an asset allocation choice to find suitable investment opportunities. It's just that we will pay attention to risks again and again here, and don't be confused by the purchase of 1 yuan, the exchange of gold and the zero interest rate.