What fund can Alipay buy to protect its capital?
Alipay fund has no capital preservation. At present, only bank time deposits are guaranteed capital and interest, and financial management is risky. Among them, the fund is a kind of financial management, but there are still many types of funds in Alipay. Different fund types represent different risks and benefits.
Among them, stock funds, hybrid funds, index funds and bond funds are all relatively risky and the funds fluctuate greatly. When the market is bad, it is easy to lose the principal.
Money fund is the least risky of all fund types, because its investment direction is mainly cash, bank deposits with a maturity of 1 year (including 1 year), bond repurchase, central bank bills, interbank deposit certificates, bonds with a remaining maturity of 397 days (including 397 days), debt financing instruments of non-financial enterprises, asset-backed securities, etc.
Therefore, although the money fund is not guaranteed, the risk is relatively low, the income is relatively stable, and the probability of making money by holding it for a long time is relatively high. At present, all the money funds of Alipay are positive returns, and there has never been a loss-making money fund. Although the past does not represent the future, it will still have certain reference significance.
Is AliPay living money for financial management and capital preservation?
Living money management belongs to a financial management page of Alipay, which is mainly connected with money funds. It has the characteristics of low risk and stable income. Although living money management is not guaranteed, the money funds connected with living money management are all positive returns at present, and there has never been a loss. Although the past does not represent the future, it will still have certain reference significance.
In addition, the flexibility of living money management is also better. Although it is said that it will not arrive immediately, it will arrive at T+ 1 For example, it will be redeemed on Monday and received on Tuesday. If it is redeemed on Friday, it will arrive next Sunday, except working days. If you find a loss, you can take out a stop loss in time. If investors don't want to take any risks, they just want to protect their capital.