Now Alipay's fund products are more sought after by investors. There are many funds in Alipay, and some novice investors just want to find funds that can protect their capital. So what types of funds can Alipay buy? The following small series will answer your question.

Types of funds that Alipay can purchase.

Stock fund: invest in the stock market and pursue long-term growth and capital gains of stocks.

Bond funds: invest in the bond market, including government bonds, corporate bonds and convertible bonds, and pursue fixed income and relatively stable return on investment.

Hybrid funds: combine assets such as stocks and bonds to achieve asset diversification and risk control.

Money market funds: mainly invest in short-term bonds and money market instruments, and pursue liquidity and short-term stable income.

Index fund: Tracking the performance of a specific market index, and achieving a return on investment similar to the index by purchasing index stocks or futures contracts.

Why you can buy funds in Alipay?

Convenient and fast: Alipay, as a mobile payment platform, provides convenience for online fund purchase, and can use mobile phones to conduct fund transactions anytime and anywhere.

Diversified choice: Alipay provides a variety of fund products, and investors can choose the right fund according to their risk preferences and investment needs.

Low threshold: The threshold for Alipay to purchase funds is relatively low, and investors can flexibly invest and purchase funds through Alipay, which is suitable for funds of different sizes.

Information transparency: Alipay provides detailed information of fund products, including the historical performance, scale and rate of the fund, to help investors make wise investment decisions.

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.

Does AliPay manage 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.

Is it better to buy a pension fund or an ordinary fund?

From the essence of pension fund, it belongs to ordinary Public Offering of Fund. Pension funds mainly provide for the aged, but there are many types of general funds, which can be selected according to their own conditions. So there is no better choice between the two, and there are risks.

Both pension fund and general fund belong to one kind of fund, and both have certain risks. The essence of buying a fund is to buy low and sell high to make money. Therefore, when choosing, everyone can choose from risk, profitability, liquidity and according to their own situation.

For example, if you want to invest in a fund to prepare for your future retirement, you can consider a pension fund. If you pursue high returns, you can consider stock funds, hybrid funds and index funds. If you don't want to take big risks, you can consider money funds and bond funds.