Alipay: What funds have small risks and stable returns?
In Alipay, the risk of money fund is small and the income is stable. The investment risk of money funds is very small, and there is basically no risk of principal loss, which is very suitable for investors with stable capital preservation. When investing in money funds, you can not only buy money funds directly, but also choose some wealth management products that invest in money funds, such as Yu 'ebao.
In addition to the money fund, which has low risk and stable income, the pure bond fund in the bond fund is also a good choice. Pure bond funds refer to funds whose positions are basically bonds, which are also suitable for capital preservation and stable investors to buy. Pure bond funds, like money funds, have relatively low daily income, although the risk of stable income is small. If you want to have high returns, you can only get them by investing in high principal.
The market fluctuation of money funds and pure bond funds will be relatively small, the daily increase will be particularly low, and the income will naturally be relatively small. However, except for special circumstances such as major economic crisis, there is basically no risk of principal loss in these two types of funds. If you want to invest in the money fund to make money, you need to hold it for a long time the next day. The longer you hold it, the higher the cumulative income.
Alipay funds can be divided into money funds, bond funds, stock funds, index funds, hybrid funds and DQII funds. From the perspective of investment types, money funds have the lowest risk, while stock funds, index funds and hybrid funds have higher risks. More than 80% of the positions are stocks, so investors need to choose carefully.