In fact, when I first saw it, I didn't find anything unusual. Even some of the ideas mentioned in it are the mainstream views of value investment: don't chase up and kill down, buy high and sell low; Invest with long-term unused money; Using fixed investment to reduce investment cost. I also deeply agree with these contents.
However, read it carefully again: "The core assets in the early stage have a large increase and high valuation, which overdraws the future performance growth of the enterprise and accumulates the risk of callback", "With the gradual withdrawal of global liquidity, the market fluctuation may be really great" and "Don't turn around at the bottom" ...
What! You know there's a callback risk and it fluctuates greatly? Then why not issue a risk warning to remind investors and give everyone a chance to get off safely? Now many white people who follow the trend are trapped on the top of the mountain, enjoying the coolness of the heights. Fixed investment is very important, but take profit is not important? For funds and stocks, buying and selling is commonplace, and this is the real master. This is also common sense! Don't turn around at the bottom and leave, but where were you when the market was crazy? Why didn't you come out with a sense of responsibility at this time? Well, when I was in a high position years ago, I made a fortune silently and earned a lot of handling fees. A sharp callback, began to tell fellow villagers not to leave, let the organization's bosses withdraw first?
Maybe Alipay is really just a simple fool, just like the silly sweet penguin who is suing Laoganma next door.
Then, why should Alipay jump out to speak out this time and deeply retain those fund investors who are ready to cut their meat and leave?
Is it because of this damn love that I don't know where it originated? If not, it can only be an interest. Many people may not realize that Alipay, as a traffic portal for fund transactions, is not free. Of course, it is not directly charged to fund buyers, but to fund companies that cooperate with Alipay to sell fund products. Of course, the wool is on the sheep, and these expenses will eventually be passed on to the fund buyers, regardless of profit or loss.
Therefore, Alipay, as a payment platform, can make a stable profit as long as it can attract a large number of investors to buy the above products. It is very important to have a growing and relatively stable user base. In this way, it is not difficult to understand that Alipay frequently uses subsidies and red envelopes to attract people to invest money and cultivate users' stickiness and usage habits. Alipay's attitude towards investors has always been that the more the better. But now you all want to run away and let the baby not panic. God is a little emotional!
As the saying goes: spread out the square table and entertain sixteen parties. All the guests came, all with one mouth, laughing when they met, and then not thinking about it. Tea gets cold as soon as people leave. What happened?
Of course, I didn't write so much just to criticize Alipay. On the contrary, I think Alipay is the first teacher of many people's financial management concepts and deserves it. Focusing on Mr. Ma's initial Pratt & Whitney Siwei, Alipay opened the door to his financial career from Yu 'ebao's money fund. However, as an influential financial platform, we can't just focus on making money and then lower our bottom line. Moreover, Alipay made a bad start this time. Originally as a platform, its core work was to actively improve the user experience and expand the user scale. However, it must go out in person and take the initiative to provide investors with investment strategy advice. If it falls, it will retain customers. If it rises, will it warn of risks? No matter what the follow-up market is, it will be a thankless thing, so just be prepared to be scolded.
Finally, I want to talk about risks in combination with my own experience. In fact, talking about risk is a thankless thing. Everyone's current thoughts are generally impetuous and relatively pure. Simply and rudely tell me which to buy, how much to buy, how long to hold it, and how much to earn is enough, so that the organization feels cute blindly, and then happily pick up scissors and cut leeks one after another.
The risk of funds is not necessarily smaller than that of stocks. According to different objects, funds can be divided into: stocks, bonds and currency mixed funds; According to the investment strategy, it can be divided into active funds and passive funds; According to the transaction classification, it can be divided into on-site and off-site funds. ...
Many people started the investment road without knowing what they bought, and the result can be imagined. Only by mastering some basic knowledge, understanding the differences between them, and combining with your own risk tolerance, can you choose the right investment type correctly.
Many years ago, the first active fund recommended to me by Alipay homepage was also the first fund I held in my life, which once brought me great losses. In fact, not all funds, as long as they are held for a long time, will certainly be able to make a steady profit without losing money, and some may even fail to rise back when the fund is liquidated. Fund managers of active funds can theoretically realize your steady losses by constantly buying high and selling low. Don't ask me how I know. I once met a fund manager who specializes in the second IPO in Man Cang, but later I doubted my life. It was not until he was replaced that the next fund manager changed his investment strategy and became better. If we continue to track the sub-new index, even if we hold it now, we can't come back.
For this matter, you can't blame Alipay for its deliberate routine. In the final analysis, it is your ignorance that leads to the loss. It is not recommended to have a good performance in the past. Can I recommend the one with poor performance to you? It is easy to buy these recommended funds directly, and it is easy to buy them at a high level. When it comes to retreating, it will be sad everywhere.
There is also a threshold for investment, so you should spend more time studying things that are directly related to your immediate interests. "Believe in professional strength and give excellent fund managers longer operation time", it is better to give yourself longer study time and then believe in your professional strength.
I am a thinker in the field of tea ceremony finance and finance, and I hope to grow up with you!