According to the illustrated data of China Fund, about 60% of citizens in China are young people, which is equivalent to more than 300 million investment funds for young people in China. Of course, this phenomenon also stems from the rise of the Internet. Nowadays, it is so convenient to buy funds online. Even Alipay, the payment software we usually use, can buy funds.

Can Alipay make money by buying funds? Now you can query the specific situation of the fund by opening the mobile phone software and moving your finger, and you can also complete the operations such as buying and selling, which is very convenient. However, although funds are very popular, not everyone can make money. Take Alipay as an example, the fund users here have earned and lost.

202 1, Alipay released financial report, including the profit and loss of the fund purchased by Alipay "Ji Min". From this report, we can roughly divide the citizens into two categories, one is to hold the fund for about three months, and the other is to hold the fund for about three years.

In the first category, among the "basic people" for three months, only 14% of all "basic people" made money and earned 5% or more, and 58% lost money and lost 5% or more;

In the second category, in the three-year "basic people", the proportion of profit of 5% is as high as 97.5%, while that of loss of 5% is only 5%. It can be seen from this result that there are indeed many people who make money and, of course, many people who lose money among the people who buy funds from Alipay. Most importantly, the profit and loss seems to be determined by the holding time.

Profit and loss are determined by "time"? From the results of this report alone, we can draw a conclusion: the longer the fund is held, the more likely it is to make a profit. So is this really the case? Actually, it is really possible. Bodo schafer, a famous German investor, also expressed similar views in his book.

But this can only represent a correlation, and does not mean that all funds can be profitable as long as they are held for a long time. After all, there are great differences between funds, which should be considered comprehensively from the time of issuance, issuing company, average rate of return and so on.

Moreover, even if the risk of the fund is lower than that of the stock, there is still some risk. Even the basic people of Alipay have held it for more than 3 years, and 5% of them are still losing money. Obviously, this is just an experience and suggestion, but it is not absolute. If you really want to make money from the fund, besides luck, personal understanding of the fund is also very important.

Therefore, funds are very profitable, and many people are eager to make money through funds. However, it is important that we face up to its risks, don't invest blindly, don't put all assets directly into the fund, and learn to spread risks and stop losses in time.