There are many kinds of funds, besides Yu 'ebao Monetary Fund, there are also bond funds and investment bonds. The income is slightly higher than that of the money fund, and the expected annualized rate of return is about 6%. It is possible to lose money in a short time, but it will not lose money if it is held for more than half a year. Equity funds, investing in stocks, have the highest expected return, and the expected annualized rate of return can reach 10%, but the fluctuation risk is also great, which requires investors to have a certain understanding and grasp of the market. There is a risk of loss, but it can be avoided through certain strategies. Other funds, such as investing in crude oil and gold, also have real estate trusts (REITs) that invest in real estate. Index fund, index fund is just a new form of fund, which does not represent the investment type. Index funds can be money funds, bond funds, stock funds or other funds. Compared with ordinary funds, the biggest feature of index funds is to reduce the workload of fund managers and greatly reduce the management costs of funds, and these saved management costs become the benefits in investors' pockets. It is precisely because of this feature that index funds have become more and more popular recently.
Besides Yu 'ebao Monetary Fund, we can also buy other funds from Alipay, because Alipay obtained the fund payment license in May 20 12, which means we can open an account in Alipay to buy funds. We call this over-the-counter trading. If we are smart, we will ask, since there is an off-court, is there an on-court?
That's right. By the way, the places developed by our stock and securities institutions themselves are called floor trading, such as GF Securities. These softwares can be used to stock and buy funds.
For beginners, I don't suggest you go directly to the field. First of all, establish basic investment thinking, understand your own risk preference, choose the follow-up investment style, fund allocation and so on.