Alipay's gold is not real gold, but a gold fund. These gold funds mainly track the exchange gold index. When buying and selling funds, they are traded at the actual price, not at the moment when the price of gold fluctuates. Therefore, when we buy and sell gold funds, it is normal that prices are not equal.
T day refers to the trading day. T days are counted before 15: 00 every day (excluding 15:00), and T+ 1 after 15:00. The trading day only includes Monday to Friday, excluding holidays and weekends, and the net value of the gold fund remains unchanged every trading day.
If you choose to buy the gold fund at 1 1:00 or 14:00, you will trade according to the gold price of the gold fund on that day. If you buy a gold fund at 15:0 1, you will trade at the gold price on tomorrow's trading day.
Alipay buys one yuan of gold from Huaan Gold, Bosera Gold and Yifangda Gold. We can click on the "Gold" interface from Alipay Financial Channel to find the preferred boss gold, so today we will take boss gold as an example for analysis.
Alipay's one-yuan purchase of gold is only the minimum investment threshold and belongs to medium-risk investment. However, here we are not buying gold directly, but investing in gold and its derivatives. Its full name is "Boss Gold ETF Connection C", and the position report shows that its products are mainly used for fund investment.
Alipay can set up an automatic fixed investment of one yuan to buy gold, and its profit and loss are mainly related to the rise and fall of gold prices according to market conditions. Although the page shows that investors can withdraw real gold at any time after purchase, we still need to pay a handling fee of several hundred yuan from the interface of the physical gold exchange.
In addition, although the subscription interface shows that the subscription rate is 0, redemption within 30 days after subscription will generate redemption fees. In addition, there will be some management fees, custody fees and sales service fees in the process.
As far as the gold investment and wealth management project is concerned, it is launched by Alipay platform, and the fund security protection of the platform is relatively in place. In addition, from the perspective of the fund company of this product, it is large in scale and well-known.