As a large fund distribution platform, Alipay also has many investors. The funds sold on the Alipay platform are all over-the-counter funds. There are different fund types according to different investment types, and the investment risks of each type of fund are different.

Will I lose my deposit by buying Alipay Foundation?

Buying Alipay funds will not cause losses beyond the fund's investment principal, which means that even if the fund loses money, the funds in Yu'e Bao will not be automatically deducted.

Although fund investment is not as risky as stock investment, if the market goes bad, the losses will be huge, especially for stock funds.

The worst loss rate for fund investment in one year may reach about 20%-30%. On the contrary, if the market is good, you can earn 20%-30% points. It depends on whether the fund market is good or bad that year.

Of course, it also depends on the investment level of investors. After all, some investors in the same fund have been losing money, while some investors have made good profits.

According to different investment types, funds can be divided into currency funds, bond funds, index funds, hybrid funds, and stock funds. Among them, currency funds and bond funds have the smallest investment risks, while stock funds, index funds, and hybrid funds have higher investment risks.

Yu'ebao is actually a currency fund for investment. The biggest difference between currency funds and other funds is that it has funds every day, the market is never closed, and there is basically no loss.

More than 80% of stock fund holdings are stocks. It can be said that it invests in stocks indirectly, but it is not a single stock but a basket of stocks. This also diversifies the investment risks very well, and accordingly also diversifies the investment returns.

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If you invest more money in stock investment, the loss will be relatively large, so when investing, it is best to choose the corresponding fund investment according to your own risk tolerance. Often, pursuing high returns requires taking high risks, because investment returns and investment risks

They are all positively correlated.