According to the logic of the landlord, they are all products issued by fund companies. If you sell it in Alipay, you should not lose money. If they get WeChat Wealth Management and Jingdong Finance, they can lose money. Is that so?

Alipay is just a platform, responsible for selling products on a commission basis.

Yes, Alipay began to enter the public investors' sight by relying on the low-risk money fund-Yu 'ebao, but it is necessary to ensure the income of investors' products and not express the Alipay platform.

Different products correspond to different risks and benefits. Even banks are not allowed to issue new products to protect the capital of Poly, nor can they promote the protection of Poly. Even if it is a money fund that everyone knows is capital preservation, where have you seen the words capital preservation?

What's more, Alipay, like all third-party channels, is just a platform for selling fund products, only responsible for sales, not product management and follow-up services. In other words, the same fund, whether you bought it in Alipay or WeChat Finance, should be what it looks like.

At present, Alipay can buy high-risk stock funds, medium-low risk bond funds and low-risk money funds.

In 20 18 years, except for money funds and bond funds, the average returns of stock funds and hybrid funds were negative. So you can see that the bond fund is talking about the one-year increase, and the stock fund is talking about the three-year increase, because within one year, the stock fund is likely to lose money.

According to the statistical reality of wind data, in 20 18, the Shanghai Composite Index rose by -24.59%, the Shenzhen Composite Index rose by -34.42%, and the Growth Enterprise Market Index rose by -28.65%.

In Public Offering of Fund, only the average returns of commodity funds, monetary funds and bond funds are positive, of which the average returns of bond funds are 4.23% and the average returns of monetary funds are 3.50%.

Equity funds are almost bleak, with the average return of equity funds being -25.43%, hybrid funds being-14. 19% and QDII funds being -6.78%.

That is to say, if you only want to buy a stock or hybrid Public Offering of Fund, your high probability loss range is 14%-25%.

Public Offering of Fund ranked 20 18, and bond funds and mixed funds with partial debts performed well. Why do you say that as long as you buy stock funds, you will have a high probability of losing money? Because all the stock funds with the best performance in 20 18 years have negative returns, -4.34%.

Six of the top ten equity funds have a yield of more than-10%, so you can imagine how tragic the stock market was in 20 18 years. The performance of bond funds should be very eye-catching. The yields of the top ten bond funds all exceed 10%, and the highest yield is the opening of Penghua Rong Feng term bonds, with a yield of 16.79% in 20 18 years. The second place is Oriental Yongxing 65438+August fixed debt A, with a yield of 13.438+0%.

Compared with stock funds (the stock position should not be less than 80%), debt-biased hybrid funds have the advantage of flexible positions, and the overall performance is not bad, with an average decline of nearly 10 percentage point less than that of stock funds.

Most of the top ten hybrid funds are partial debt hybrid funds. For example, the first Chang 'an Xinyi Enhanced Hybrid, the second Jiahe Rock Hybrid and the third Bo Shi Xinrui Hybrid are all partial debt hybrid funds with yields of 14. 15%, 10.97% and 9.92% respectively.

Especially in 2065438+2008, the yield of debt assets is obviously more advantageous in the case of serious differentiation of the stock and debt market, while those closed-end hybrid funds with partial debt have more outstanding performance because of their flexible allocation and bullish trend of debt assets.

So in general, friends who have bought stock-based and hybrid (partial-stock) funds have a high probability of losing money no matter where you buy them.

Even for private equity funds, equity products were almost wiped out in 20 18.

The average return of private equity funds of all kinds of strategies is only positive, with an average decline of 12.7 1%, in which the average return of stock long strategy funds is-15.65%, and the average return of stock long and short strategy is 13.565. Only the average yield of bond strategy is 0.68%, and the average yield of managed futures is 7. 16%.

So where to buy funds, in the 20 18 stock market, you can't escape this kind of shock, unless you buy bonds or money funds, not stock funds.

The above is my personal view on this issue, hoping to enlighten you.

Chief Investment Officer Commentator Menning:

The performance of the fund is related to three factors: 1, investment field;

2. Market conditions;

3. The ability of the fund manager.

You must have invested in stock funds, because money funds and bond funds generally do not lose money, and stock funds fluctuate greatly, which is greatly influenced by market conditions and the level of fund managers. If the market is not good, or the level of fund managers is too low, it may cause sustained losses.

Most equity funds and hybrid funds are losing money this year. The main reason is that the market is really bad. Shanghai Composite Index, Shenzhen Composite Index and Growth Enterprise Market Index hit new lows in turn. In this market, only the great gods and the lucky ones can make money.

So it is normal for the fund to lose money this year. . .

The purpose of buying a fund is to make money, not to lose money. So I thought you'd want to know if you should cut the meat at this time. I think we should consider it from these angles:

1, the market trend.

I don't think it's the bottom now, but it won't be too far from the bottom. At present, strong stocks have begun to make up for the decline, and will fall after the fall, and the darkest moment will see the dawn.

2. The strength of the fund manager

You can judge the level of fund managers by looking at the following indicators through historical performance:

Historical rate of return, whether it can outperform the index for a long time, historical maximum retracement, stock selection preference.

Only fund managers with high historical rate of return, long-term outperformance index and small retracement can be trusted.

If the performance over the years is not good, then no matter what the future market is, it should be redeemed immediately.

3. Reverse investment

When the fund sells at its best, it is always the high point of the market, but when it is redeemed in large quantities, it is always the low point of the market. So people in China often can't make money.

If you want to make money in the market, you must have the spirit of reverse investment. Redeem the fund when the stock market is good, and buy the fund when the stock market is bad, otherwise it will always be the leek in the market.

So, at this time, I want to advise you to stick to it. Only in this way can we get enough income in the bull market. And those who only build positions in the bull market will eventually suffer in the bear market.

Who says Alipay loses money by buying funds? I bought a bond fund, and the income after continuous investment is ok.