Now Alipay's fund products are more sought after by investors. There are many funds in Alipay, and some novice investors just want to find funds that can protect their capital. So what fund can Alipay buy to protect its capital? The following small series will answer your question.
When did Alipay buy funds?
Alipay bought Kim Jae Jung Guoxing from 20 13. Alipay's Yu 'ebao products provide users with convenient and fast investment channels, enabling individual investors to purchase financial products including funds through Alipay accounts. This innovative investment method greatly lowers the threshold of individual investment and improves the financial management ability of ordinary people.
Alipay will not be very troublesome to operate the foundation.
The difficulty of Alipay's working capital can be said to be relatively low. As a leading third-party payment platform in China, Alipay has accumulated rich technical and operational experience, and has a sound risk control system and financial compliance capabilities. In addition, Alipay also cooperates with major fund companies to optimize and simplify product selection and transaction processes, making it more convenient and efficient to purchase funds.
Alipay's working capital needs to comply with relevant laws, regulations and regulatory requirements, and it needs to conduct compliance audit, customer risk assessment and transaction monitoring. Alipay will undertake some operational management responsibilities to ensure the safety and compliance of fund products. Fund investment itself involves market risks, and Alipay, as a platform, mainly undertakes technical and operational risks.
Generally speaking, Alipay provides convenience and opportunities for individual investors by operating funds. As long as they have Alipay accounts and corresponding risk awareness, they can invest in funds. However, investors still need to pay attention to the careful selection of fund products, understand their own risk tolerance, and pay attention to investment risks and market fluctuations.
What fund can Alipay buy to protect its capital?
Alipay fund has no capital preservation. At present, only bank time deposits are guaranteed capital and interest, and financial management is risky. Among them, the fund is a kind of financial management, but there are still many types of funds in Alipay. Different fund types represent different risks and benefits.
Among them, stock funds, hybrid funds, index funds and bond funds are all relatively risky and the funds fluctuate greatly. When the market is bad, it is easy to lose the principal.
Money fund is the least risky of all fund types, because its investment direction is mainly cash, bank deposits with a maturity of 1 year (including 1 year), bond repurchase, central bank bills, interbank deposit certificates, bonds with a remaining maturity of 397 days (including 397 days), debt financing instruments of non-financial enterprises, asset-backed securities, etc.
Therefore, although the money fund is not guaranteed, the risk is relatively low, the income is relatively stable, and the probability of making money by holding it for a long time is relatively high. At present, all the money funds of Alipay are positive returns, and there has never been a loss-making money fund. Although the past does not represent the future, it will still have certain reference significance.
Does AliPay manage capital preservation?
Living money management belongs to a financial management page of Alipay, which is mainly connected with money funds. It has the characteristics of low risk and stable income. Although living money management is not guaranteed, the money funds connected with living money management are all positive returns at present, and there has never been a loss. Although the past does not represent the future, it will still have certain reference significance.
In addition, the flexibility of living money management is also better. Although it is said that it will not arrive immediately, it will arrive at T+ 1 For example, it will be redeemed on Monday and received on Tuesday. If it is redeemed on Friday, it will arrive next Sunday, except working days. If you find a loss, you can take out a stop loss in time. If investors don't want to take any risks, they just want to protect their capital.
Is it better to buy a pension fund or an ordinary fund?
From the essence of pension fund, it belongs to ordinary Public Offering of Fund. Pension funds mainly provide for the aged, but there are many types of general funds, which can be selected according to their own conditions. So there is no better choice between the two, and there are risks.
Both pension fund and general fund belong to one kind of fund, and both have certain risks. The essence of buying a fund is to buy low and sell high to make money. Therefore, when choosing, everyone can choose from risk, profitability, liquidity and according to their own situation.
For example, if you want to invest in a fund to prepare for your future retirement, you can consider a pension fund. If you pursue high returns, you can consider stock funds, hybrid funds and index funds. If you don't want to take big risks, you can consider money funds and bond funds.