Alipay target investment
Alipay target investment is the fixed investment plan of the fund, which sets the expected income target, automatically invests regularly, and automatically sells when the expected income target is reached; And it can effectively dilute the cost and accumulate chips when the market falls, similar to the fixed investment of the fund.
At present, the target fund of target investment is Tian Hong CSI 300 Index C, so Alipay target investment is an index fund.
How appropriate is Alipay's target investment?
1, according to the target fund analysis
Tian Hong CSI 300 Index C is an index fund. Since the Shanghai and Shenzhen 300 Index can basically represent the A-share market, its risk level is still very high, and its expected return level will be higher than that of general funds, so the take profit point can be set relatively high, but the risk will increase accordingly.
2. According to the analysis of profit effect
As we all know, Alipay's fixed investment strategy is not to solve the risk problem of fund fixed investment, but to solve the problem of "take profit" of fund fixed investment.
Therefore, the trend of the market and the trend of the broader market are very important to the profitability of the fund. We need to set profit-taking targets according to the market. Generally, in the upward trend of the market, our target value will be set higher; Generally, in the downward trend of the market, our target value will be set relatively low.
However, it should be noted that the bull market should not be too high, otherwise it will not achieve the significance of losing the profit-taking goal; Bear market should not be too low, otherwise it is easy to stop investment and increase investment cost.
3. Comprehensive analysis
Alipay's target investment is an index fund, which is a high-risk variety with high risk and high expected return. At present, the market position is moderate, so it is more appropriate to set the expected return of the target investment at 6%-8% comprehensively.
On the one hand, the set income point is higher than that of wealth management products, on the other hand, it is relatively easy to achieve at the current market level, and investors can consider it appropriately.
So much about the appropriate amount of Alipay's target investment. I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.