Alipay's low-risk financial management is mostly bond funds, which have certain risks and are suitable for investors above R2 level. If they are cautious or conservative investors, even low-risk funds have certain risks for them, so such investors buy cautiously; If you are a steady or balanced investor, you can buy low-risk funds.

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There are many kinds of Alipay funds, which are divided into:

Public offering fund: the so-called public offering fund is to raise funds through public offering for the whole society. It has very strict requirements on information disclosure, including its investment objectives, investment portfolio and other information.

Private placement fund: Private placement is a private fundraising by a few investors, which has low requirements for information disclosure and strong confidentiality.

In these two areas, funds can be divided into:

Equity funds: More than 80% of positions are invested in stocks.

Bond fund: More than 80% of positions are invested in bonds.

Hybrid funds: invest in stocks, bonds and other types of assets.

Monetary funds: such as Yu 'ebao and Bitong, invest funds in treasury bonds and bank deposits.

Index fund: invest the fund in all stock funds included in the index, such as Shanghai and Shenzhen 300 Index and Shanghai 60 Index.

Income (risk) is roughly

Stock Type > Mixed X Index > Bond Type > Currency Type

Fund:

Broadly speaking, funds are the collective name of institutional investors, including trust investment funds, unit trust funds, provident funds, insurance funds, retirement funds and funds of various foundations. Funds in the existing securities market, including closed-end funds and open-end funds, have the characteristics of income function and value-added potential. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. Because the investors of government agencies and institutions do not require investment returns and investment recovery, but require funds to be used for designated purposes in accordance with the law or the wishes of the investors, funds are formed.

Fund risk:

There will be risks, because if you earn, you will lose, mainly depending on the strength and operating conditions of the company you choose. But objectively speaking, fund investment is a long-term investment, unlike stock trading, which is easy to make money and easy to lose money. Because the stock market has been bullish for half a year, and there is a virtuous circle, basically no fund is losing money for a long time, provided that you invest for at least half a year.