In the past two years, funds have become the most popular investment and wealth management products. Because we use Alipay to pay in our daily life, a lot of funds are habitually put into Alipay, so many novice investors choose to buy funds on Alipay. Today, I will tell you something about buying funds on Alipay.

How does novice Xiao Bai choose a fund?

1. Choose a fund according to your risk tolerance. If investors have low risk tolerance, they can choose money funds and bond funds. If investors have high risk tolerance, they can choose hybrid funds, stock funds and index funds.

2. Select funds according to the historical performance of funds and fund managers. The higher the historical performance, the better. The higher the historical performance of the fund, the higher the return on investment of the fund. The longer the fund manager works, the better. You can also choose a star fund manager directly.

Be careful not to buy new funds. The closure period of the new fund is as long as 3 months, and there is no historical performance for reference. It is better to buy a new fund than an old one.

4. Don't buy funds that fund companies are pushing. If the fund company is pushing this fund, it means that the increase of this fund has been very high in the recent stage, so buy it cautiously at this time.

Which method should Alipay choose?

The fund's fixed investment operation is simple, time-saving and labor-saving, and it can well spread investment costs and risks. It can be said that it is the most suitable fund investment method for investing in Xiaobai. In Alipay, there are two ways: ordinary fixed investment and intelligent fixed investment.

Ordinary fixed investment refers to a fixed monthly investment of a sum of money. After the fixed investment amount is set, the system will automatically deduct the amount, and the deduction amount will remain unchanged.

Smart investment Alipay will flexibly adjust the investment amount according to the fund's ups and downs. After setting, the system will choose to deduct more or less funds on the deduction day according to the market fluctuation. Simply put, buy more when it is cheap, and buy less when it is expensive, so as to maximize the income.

From the data point of view, smart fixed investment will have higher income than ordinary fixed investment. It is suggested that novice investors can choose smart fixed investment, and click on the fixed investment of the corresponding fund in Alipay to see the switch of smart fixed investment.