From the perspective of Alipay platform, it only belongs to a consignment platform, and the funds inside are not sold by it. Each fund is sold on different platforms, but it will be audited by Alipay, so it will be more reliable. Basically, it is a term fund product with high security. Basically, there is no need to worry about being cheated.
From the perspective of fund financing itself, funds are risky, and the risks and benefits will be different because of different types of funds. Alipay has many types of funds, such as money funds, bond funds, hybrid funds, index funds, stock funds and so on.
For money funds and bond funds, the investment direction of these two funds is not to invest in stock-related things, but to invest in some relatively low risks, so they will have the characteristics of low risk, stable income and relatively high security.
More suitable for stable investors. Basically, they hold little losses for a long time, but the income they earn is based on the principal and the rate of return. Generally speaking, the more money they save, the higher their income. If the payoff is positive.
However, there is no way to determine the security of high-risk funds such as hybrid funds, index funds and stock funds. Because the fluctuation of funds will be relatively large, it is prone to losses.