From the perspective of the fund platform, as long as it is formal and audited by the state, it is safe and will not deceive people. For example, platforms such as Alipay Fund, WeChat Fund, Bank Fund and Tian Tian Fund Network are all formal and safe, so it is impossible to worry about the money being swept away.
However, from the perspective of fund products themselves, any wealth management product is risky, and so is the fund, which cannot guarantee its 100% safety. However, funds are also divided into different types. Different types of funds will lead to different risks and different levels of security.
For example, money funds and pure debt bond funds are all types of funds with small fund fluctuation and low risk, and basically will not lose the principal, so the security is relatively high.
However, for high-risk fund varieties, such as stock funds, hybrid funds, index funds, etc., the purchase risk will be greater, the fund will fluctuate greatly, and the security of the fund products themselves may not be guaranteed.
Therefore, investors should pay attention to the risks of their own funds when buying. Before buying a fund, they should make a risk assessment to see what kind of investors they belong to. If you are conservative, buy a money fund or a pure bond fund. If you are radical, you can consider high-risk fund types such as equity funds, hybrid funds and index funds.