It is undeniable that it is convenient and quick to buy funds on Alipay.

But buying funds on Alipay is not worry-free, especially for small white investors.

First of all, you should make it clear that Alipay is a third-party platform for fund sales. We can simply understand it as a "salesperson" who sells the products of the fund company through agents.

As a salesperson, when selling products, there will definitely be a focus, and those funds with high rebates and beautiful trends will often be recommended.

This creates a problem. Is the fund recommended by Alipay really suitable for our investment?

We opened the so-called "select" fund recommended by Alipay, and saw that the increase was over 100%, which attracted us to buy in large quantities.

But behind these glamorous, hidden risks, have we noticed?

What are the types of these funds? What is the investment style? What are the risks? What is the past performance of fund managers? What is the charge? What is its investment idea? Is the current net worth at a high level?

This information is actually the basis for us to buy funds.

Of course, it may be a little difficult for small white investors to master these things, but don't invest blindly.

Therefore, it is suggested that novices still buy funds in some traditional ways, and they can also get some professional explanations through banks and brokers, which is also very helpful for their promotion.

Because some people can't be nice to others! How good Alipay is and how convenient it is to use. Why does someone always hack him? Borrowing flowers will cost people money, but they are all adults. Why can't they control themselves and blame others? Spray. Let's go

I personally bought funds and stocks for several years. Let me tell you my opinion:

I have been buying funds through Alipay for the past two years, which is quite convenient and has no obvious shortcomings, but some special circumstances are really not suitable for buying funds through Alipay. Let me talk about my point of view.

20 17 began to buy funds in AliPay. At that time, the amount of funds sold by Alipay was still very small, mainly because Alipay's sales rate was relatively cheap, which was generally 10% off. Funds with front-end subscription rate of 1.5% only need to be charged at 0. 15%.

Before I bought the fund through the bank, the subscription rate was not discounted, so I spent a lot of money and bought it through Alipay to save money. With the accumulation of time, I gradually became familiar with the style of Alipay and found it more and more convenient to buy funds with Alipay.

20 18 ant financial service turns AliPay financial management into ant wealth. In fact, the funds purchased in Alipay are all linked to the wealth of ants. Alipay is only a third-party payment platform and has no fund sales business.

If someone says not to buy funds through Alipay, I think there may be two reasons:

First, Alipay sells OTC funds, so you can't use Alipay to buy OTC funds, such as some ETFs and LOF funds. OTC funds are more flexible and have lower transaction costs, so investors who like OTC funds should not choose Alipay.

Second, the number of funds sold by Alipay is limited, and some of them can't be bought in Alipay, because Alipay belongs to the Internet consignment platform, and only funds that have signed a consignment agreement with Alipay can be purchased through Alipay. I also encountered this problem. I was optimistic about a fund, but Alipay didn't sell it, so I finally gave up buying it.

In short, as one of the Internet fund consignment platforms, I feel that Alipay is still good, which is enough for ordinary investors, with relatively cheap expenses and relatively perfect functions. But if you want to do intraday trading, it is best to buy funds through securities companies. Under some special circumstances, it is really inappropriate to use Alipay.

People who have such doubts are somewhat puzzling, or simply don't understand financial investment.

First of all, it must be clear that when you buy a fund, whether it is on Alipay platform or WeChat platform, or bank brokers, they just provide a channel and belong to the agent of the fund company. The profit and loss of the fund you bought or the quality of the fund has nothing to do with other people's platforms, and others only earn access fees.

It is often seen that people spit out information such as "the fund bought on the XX platform has lost money again", as if the platform had just lost your money. For these people, most of them lack basic financial knowledge, lack awe of the risks in the capital market, and even don't know the issuing company and position target of the fund they bought. No matter where these people buy funds, it is difficult for them to make a profit in the end.

On the contrary, I personally think it is quite convenient to buy funds on Alipay. The operation is simple and convenient, and almost all funds can be bought. Moreover, Alipay is a commonly used software. We can clearly see our financial structure in the software and help ourselves make some adjustments in time.

Alipay is really not suitable for small white investors who are just getting started, because for more than 99% novices, buying a fund in Alipay = buying a fund recommended by Alipay.

But the cruel fact is: just to attract attention, Alipay will recommend some popular funds and avoid talking about the risks of popular money-making funds. As a result, many funds recommended by Alipay were mostly cut off.

Because the interlacing is like a mountain, many people who buy Alipay recommendation funds don't even know who the fund manager is. They don't know what the fund bought, but they dare to buy blindly, and some even invest a lot.

When buying clothes, it depends on what clothes, coats or trousers, and whether the size is appropriate, but many people are confused when buying funds.

Xiaobai buys funds. Based on the money-making effect of people around him, the trust in Alipay will naturally follow suit and buy recommended high-grade and high-risk funds.

Alipay, as a third-party fund sales company, is a fund seller and earns a commission. As long as you buy and sell funds, he can make money. Your loss has nothing to do with him, you can savor the benefits.

However, a real investment and financial adviser should first understand the current situation of clients' assets, help clients make risk assessment, help clients understand their risk tolerance, pay attention to their investment needs, and finally give reasonable investment suggestions.

Where to see the investment income? Isn't this stimulating consumption? Therefore, Xiaobai Investment Fund must first seek knowledge and then seek wealth. It is reliable to earn money within your own cognitive range!

Buying 10000 lots at ICBC requires 120 yuan, and the redemption rate is 1.5%. It will take several trading days to get the account. Banks are the first choice for long-term fixed investment, regardless of ups and downs, but the fund has been making positive returns for two years, and this year the fund fluctuated greatly. It is more convenient to buy from Alipay, and the hand-to-hand fee is relatively low, which can save twenty or thirty yuan. The most important thing is that the redemption can basically be received on the second trading day, and the longest is seconds.

Alipay platform belongs to second-hand dealers, and the handling fee and management fee are high, which is also a reason why some people think not to buy funds on it. Another reason is that the funds on Alipay are not comprehensive enough and the choices are limited.

Why not buy funds on Alipay?

I think this problem itself is not very good for Alipay, because it is actually quite convenient to buy funds on Alipay, and there is no need to download other apps.

If you want to say it is not good, it may be that the operation is not as detailed as that of Tian Tian Fund. After all, Tian Tian Fund is a special APP for buying funds. Every quarter, the fund manager's heavy position is not as fast as that of Tian Tian Fund, and there will be a delay of several days. In addition, the functions of screening and so on are not as detailed as every day, but the advantage is that you don't have to download the Tian Tian Fund APP separately. The advantage of Alipay is that it is simple and convenient to operate, and you can buy and sell directly with Yu 'ebao. You are used to it. In fact, everything is the same.

Give a suggestion, try to buy funds in Alipay as little as possible, especially Xiaobai's fund.

First, Alipay often recommends new funds.

Fund veterans know that buying a fund must be good for the old fund, and the performance of the new fund will often be worse.

The reason is that most of the new funds are issued in the bull market, and the opening period just coincides with the rising period of the bull market, and the cost is higher.

If you are unlucky enough to buy a new fund issued at the end of the bull market, although the decline may not be large, it is impossible to stop the loss, because new funds often have a closed opening period of three months.

The new fund has no historical income data and no position data, so it can only rely on the fund manager.

Most fund managers are not high-level, even if the past earnings are good, they may just step on a round of industry boom.

Therefore, when you can still purchase the old fund, you should try to avoid the new fund.

Alipay has become an important platform for raising new funds, which has led some funds (Xiaobai unknown so) to buy new funds.

Second, the dimension of fund data on Alipay is not enough.

That's all that matters. Compared with platforms such as Tian Tian Fund, Alipay has too few data to query.

For example, lack of very important reference data and maximum withdrawal.

For example, there is no previous fixed investment yield.

Such as Sharp ratio, volatility and so on.

The less data, the less reference standards for investment, and the worse the accuracy.

Buying funds on Alipay is very lax.

In particular, the so-called Morningstar rating has no reference significance. Ratings based on recent past data can only represent the past, not the future.

If you buy a fund according to the net income and rating, it is often easy to buy the head of the fund.

To put it mildly, it greatly increases the risk of topping.

Third, the participation of unqualified fund investors is excessive.

There is a function in Alipay, called three sums of money.

The first is the current money, that is, the money fund, which will correspond to the value according to the daily expenses.

The second sum of money is the guarantee fund, which is actually to recommend Alipay's insurance products.

The third sum of money is investment money, which corresponds to the fund.

Although it seems reasonable, in fact, we can't draw a conclusion according to personal situation and investment preference, but allocate people according to the standard proportion invariably.

So whether you are a great god or a small white, you will be given a certain percentage of fund allocation suggestions.

To put it bluntly, it is very unreasonable for some unqualified fund investors to distribute the fund proportion like qualified fund investors.

Buying foundation is not addictive, I'm sure it will.

Everyone tells you that the fund is a long-term investment, and if it falls, it will cover the position.

Xiao Bai Ji Min is easily misled, from Ji Min to Ji Min.

I am very happy when I go up, and I am eager to make up my position when I fall. Anyway, as long as I take it for a long time, the fund will definitely go up a lot.

Over time, you will find that funds buy more and more, but the income is not so good.

Funds are indeed a good way to participate in the stock investment market, but this high-risk investment itself must be sufficient.

Because stock funds are not very liquid, they should not occupy a particularly high position in the proportion of equity investment.

Besides stock fund investment, we also need to make other better investments, such as bank financing, money fund, time deposit, insurance, equity investment and so on.

Moderate capital investment is necessary, but the total amount of funds must be set.

It's wrong when you suddenly find that every fund seems to be good and everyone wants to buy it.

Buying a fund means giving money to a professional fund manager.

That's true, but how can Xiaobaijimin tell the difference between a good and bad fund manager?

Because of lack of cognition, it is impossible to distinguish accurately.

For example, for a time, Xin Jimin especially liked Manager Cai of An 'an Fund, because his fund performance was excellent in 20 19, and the increase was also very large, but it was a pity that his income in 2020 was far below the market and industry average.

The basic people have no concept of a good fund manager, and that's the problem. Buying the right one is luck, and buying the wrong one is the embodiment of strength.

Therefore, choosing a fund manager is also a challenge for the basic people, and the basic people themselves need to grow constantly in order to be more capable of choosing a fund manager.

Secondly, after you have a certain understanding of funds, you need to have the ability to choose industries and themes, because the explosive power of industry themes is often better than the comprehensive index.

Then there is the fund portfolio, because it is impossible for the basic people to invest in only one fund, but they must invest in multiple funds at the same time. How to seek common ground while reserving differences and match high-quality funds is another difficult problem.

These problems, whether it is Alipay platform or other platforms, are difficult to solve, and we can only rely on our own investment feelings and experience accumulation to gradually upgrade our cognition.

Fund investment, in fact, does not care which platform to operate transactions on, because the fund itself bought at the bottom is the same.

The value of the platform is nothing more than that.

1, convenient. 2, the cost is low. 3. Provide more data with high reference value.

At present, Alipay has solved the first two items, but the third item is still far away.

In the absence of a lot of valid data, as citizens, we must keep our eyes open and strictly grasp the general direction of fund investment.