Alipay invests in gold through gold funds, mainly including Huaan Gold, Yifangda Gold and Bosera Gold. Let's see which is better.
Judging from the interest rate of funds
Alipay's Sanjin Fund buys at zero rate and sells according to the holding time. If it is held for less than seven days, the redemption fee is1.5%; For seven days to one month, the redemption fee is 0.1%; If it is held for more than 1 month, the redemption fee will be exempted.
In addition, the fund fees also include management fees, custody fees and sales service fees. These three expenses are deducted from the fund assets and reflected in the daily net value of the fund, and will not be settled when purchasing and redeeming. There is no difference in the total cost of the three gold funds, all of which are 0.95%. Judging from the fund rate, you can choose all three funds.
From the perspective of fund size
Huaan Fund was established in 20 13, and the current fund scale is12.34 million yuan; Bosera Fund was established in 20 16, and the current fund scale is 239 1 100 million yuan; E Fund was established on 20 16, and the current fund scale is 65438+130,000 yuan.
E Fund's fund scale is relatively small, and the risk of liquidation is greater than the other two funds. From the perspective of fund scale, it is more appropriate to choose Bosera Fund or Huaan Fund.
Judging from the historical performance
All three funds track gold prices, with Huaan Gold Fund increasing by 1. 16%, Bosera Gold Fund increasing by 1.08% and E Fund increasing by 0.55%.
From the historical performance, Huaan Gold Fund and Bosera Gold Fund performed better, and the increase of E Fund was not as good as the other two, so it is more appropriate to choose Huaan Gold and Bosera Gold.
Generally speaking, it is more appropriate for Alipay Gold Fund to choose Huaan Gold or Bosera Gold, and Huaan Gold is the best. Warm reminder, gold is risky and investment needs to be cautious.