1. Is it safe for Alipay to buy funds?
It is safe to buy funds in Alipay. Buying a fund needs to pay attention to the establishment time, historical trend chart and risk index of the fund. If you have been exposed to stocks before and have a high risk tolerance and can withstand the fluctuations of stock funds, you can consider hybrid funds, stock funds and index funds. If you have only bought wealth management before and have not been exposed to equity investment, it is more appropriate to choose money funds, wealth management funds and bond funds for the first time.
2. What is the fund rate?
1. subscription redemption fee: subscription refers to the purchase of funds or the fixed investment of funds, and subscription fee is the fee charged when purchasing funds. The subscription fees of different funds vary greatly.
2. Management fee: collected by the fund company, and the net value announced every day has been deducted from the fund management fee. When the fund agency sells the fund on a commission basis, it will sign a contract with the fund issuing company and get the share of the fund management fee according to what proportion. Therefore, fund institutions, that is, Alipay, the following Ant Wealth will choose funds with high management fees to recommend to investors.
3. Sales service fee: the fund manager draws a certain proportion from the fund assets according to the fund contract to pay the marketing expenses of the fund. The main income of fund agents is subscription redemption fee, management fee and sales service fee. Therefore, funds recommended by general institutions are funds with very high rates.
To sum up, although Alipay's fund is relatively safe and can be operated by others, it is still risky, because it is very likely that the funds will be transferred after the Alipay information is known, or the funds will be lost due to improper operation. I suggest that you must have a correct understanding of the fund and invest carefully.