When Alipay buys a fund, investors should consider relevant risks. General money market funds and capital preservation funds have the least risk, while bond funds have the middle risk and stock funds have the highest risk.

2. Choose according to the age of the investor.

Young people's family burden will be relatively light, and they also have certain economic ability. Generally, their income is greater than their expenses. Therefore, its risk tolerance is better. When buying a fund, you can choose a long-term fund to invest, such as a stock fund.

Relatively speaking, middle-aged people's income is relatively stable, but their family responsibilities are generally heavier, and their risk tolerance is in the middle stage. When investing, we need to consider the return on investment, and at the same time adhere to the principle of stability, and it is best to spread risks.

For elderly investors, there is generally no additional source of economic income. It mainly depends on the expected annualized income of pension and previous investment to maintain life, and its risk tolerance is relatively small. It is recommended not to choose funds with long investment period.

3. Choose according to the investment period.

If the investment period is more than 5 years, you can choose products with relatively high risk coefficient. If the investment period is a medium-term investment of 2-5 years, you can not only choose the high-risk fund product of stock fund, but also join some bond-type or balanced funds with relatively stable annualized income.

Extended data:

Matters needing attention in purchasing funds

1, there is no established overall investment target.

Investors should set a relatively established overall profit target for themselves and do a good job of taking profits and stopping losses. Whether it is a big bull market or a bear market, the stock market must have a bottoming degree in order to obtain stable profits.

2. There is too much money.

Assuming that investors have too much money, investors will consume their souls because of too much money. Buy funds moderately and spread risks according to different funds purchased. According to the redistribution of property, reducing the amount of investors' funds not only facilitates the management mode, but also disperses assets.

3. Major short-term profits

Fund is a financial management method suitable for long-term investment and long-term holding. Holding funds for a long time can maximize profits. In addition, when selecting fund products, the short-term rate of return of the fund should not be used to distinguish the advantages and disadvantages of the fund.