In 2020, when the stock market goes deep, an index fund owes more than 30% at most, but stock-based and hybrid funds are much better, below 10%. However, the fund quilt cover is different from the stock quilt cover, because the fund invests in a variety of stocks and is a financial expert, so the fund always has a bright future, just a matter of earning more and earning less, especially choosing a good variety, which is also profitable in a bear market; But the stock quilt cover is different, and some may never turn over, and finally withdraw from the market and become a piece of waste paper. As long as it is a long-term investment, open-end funds are free of charge. Of course, the choice of varieties should not be too excessive, and it must not be redeemed at the worst time of the stock market.

At present, many funds on Alipay are purchased by 10 yuan, and the threshold is very low, so almost everyone can buy them. Different types of funds have different returns and risks. Funds can generally be divided into: money funds, bond funds, mixed funds, index funds, stock funds and so on. If you spend 10 yuan on money funds or bond funds, then you can earn very little money in a day, and basically you can't see any income. It may take a few days to accumulate, but it will basically not lose money.

It is still possible to earn more than one yuan in a few years, but the income is very low. Generally, you need to invest more principal to have obvious benefits. For example, if you save tens of thousands, the income will be more obvious. If it is a high-risk fund type such as hybrid fund, index fund and stock fund, then 10 yuan will earn more profits than money fund or bond fund, and so will its losses. It is possible to earn a few cents in a few days if the market is good, and it is also possible to lose a few cents if the market is bad.

Generally speaking, 10 yuan buys funds in Alipay with high risks, such as hybrid funds, index funds and stock funds, because the income will be obvious, but if you don't want to lose money, you can also choose monetary funds or bond funds, but the income is basically not obvious, and funds are generally risky. When buying, you can consider it according to the type of fund.