But why don't many people recommend buying funds on Alipay? I think a large part of the reason is that the recommendation method of Alipay Fund is unreasonable. The funds recommended by Alipay Fund at the front are all very good funds. Generally speaking, after a capital surge, there will be a period to adjust its vitality. Generally speaking, it is a period of sharp decline. If you buy blindly at this time, you are likely to lose money soon.
There is also a high subscription and redemption rate for funds. Alipay is not a fund trading platform. He just acts as a middleman. Put funds from other platforms on your own platform for trading. So he will also charge some intermediate fees appropriately. Many times, the handling fee for buying small funds on other platforms is free. However, if you buy on Alipay, you need to pay the subscription fee regardless of the purchase amount.
Although this does not have much impact on users who invest a little. After all, it only costs less than 1%. But for many users who have invested hundreds of thousands of dollars, the interest of 1% is tens of thousands. Therefore, many people think that the interest of Alipay investment funds is too high, and many people will choose to invest in app or WeChat official account when the investment amount is large. This can save money to the maximum extent.
Of course, in fact, many people say that the fund is to cut leeks and the like. In the fund industry, if you invest a lot of money, you are likely to lose money. I once heard a saying called. People can't make money beyond their cognitive range. ? So if you really want to make money in the fund. Then you need to learn relevant knowledge.
If you learn enough knowledge, it doesn't really matter which platform you trade on. What is more important is which fund to choose.