Alipay is a third-party payment platform, its function is limited to payment, and it cannot provide wealth management products. Selling wealth management products is another brand of Ant Financial Services-Ant Wealth.

In the past, Ant Wealth was called ant fortune, but it was upgraded to Ant Wealth on June 14th, 217. It is a one-stop financial platform with Alipay as the traffic portal and displayed as "Wealth" on Alipay's homepage.

Of course, Ant Fortune also has its own app, but it doesn't provide much traffic. The main traffic still comes from Alipay, that is, the main sales commission comes from Alipay. Alipay drainage is mainly based on Yu 'ebao and payment function.

In other words, the main nature of Yu 'ebao is the drainage tool of Alipay. If you want to conduct multi-style financial management in Alipay, you should choose Ant Wealth.

Ant Wealth provides many kinds of wealth management products, mainly including term, fund and gold. Of course, Yu 'ebao also belongs to the wealth management products of Ant Wealth-the risk types range from low risk to high risk * * *, which is suitable for investors with different risk tolerance.

In fact, Yu 'ebao can be merged with the fund, because it is a fund product itself, which is connected with multiple money funds; Gold can also be merged with funds, because it is also a fund product, docking multiple gold ETF funds.

how to manage money depends on one's risk preference and investment experience. Some people have strong risk tolerance and investment experience, so they can choose mixed funds, stock funds and gold with medium risk and above risk types; And some people have poor risk tolerance, little investment experience and like fixed-income wealth management products, so they can choose money funds, bond funds and regular wealth management with medium and low risks and below.

if the previous investment was limited to the purchase of Yu' ebao, it is not recommended to allocate too many assets to floating wealth management products (funds with medium or above risks), but to allocate more assets to fixed-income regular wealth management-fixed income is the main one, supplemented by floating income.