If you buy money funds or bond funds on Alipay, especially money funds, it is theoretically impossible to keep losing money, such as Yu 'ebao. Have you ever lost money after buying it for so long? Generally speaking, you have bought hybrid, stock or futures funds for loss-making funds. Let's take the simplest example: the stock fund is to concentrate the small investments of the public investors into large funds (we buy funds, and every little makes a mickle, such as 1 person, 1 ten thousand yuan, and when there are 1 ten thousand people to buy them, it is 1 one hundred million yuan), and then the fund manager takes these funds to the market to invest in different stock portfolios. Anyone who has bought stocks will know that someone has been trapped since 2008. Although fund managers are more professional than us and have huge funds, they can diversify their investments and reduce risks. However, if you are unlucky and choose junk stocks, it is normal that you have been losing money when buying funds.
However, the loss of the fund is the same as the loss of the stock. As long as it is not redeemed, the losses are all on the books. As long as it is held for a long time, it is still possible to return to the original.