How to play the fund in Alipay?
Before buying Alipay funds, we should distinguish between money funds, bond funds, stock funds, hybrid funds, FOF funds, QDII funds and other funds, especially the level of risks, and be psychologically prepared. When choosing a fund, you should know the past performance of the fund, the length of its establishment, the size of the fund and the fund manager.
I. Types of funds
1 money fund: the money fund mainly invests in short-term government bonds, repurchase, central bank bills, bank deposits, etc. Suitable for friends with low income requirements and high liquidity requirements.
2 Bond funds: Bond funds spend more than 80% of their investment allocation on bonds, which has lower risk and slightly higher income than money funds, but its liquidity is not as good as money funds.
3 Equity funds: Equity funds refer to funds that invest in the stock market and hold no less than 80% of stock positions according to regulations. Equity funds are not recommended for unfamiliar friends to buy, and there is a risk of loss.
4 Hybrid funds: The portfolio of hybrid funds has bought both high-risk stocks and low-risk bonds, with moderate risks.
5FOF funds: FOF funds are also called funds in funds. Simply put, it is a fund that buys funds. The risk is relatively small and the yield is low.
6QDII fund: QDII fund specializes in investing in stocks, bonds and other securities in overseas securities markets, which can avoid the risks in a single domestic market, have the opportunity to obtain higher investment returns, and of course have higher risks.
Second, how to choose a fund
1 Observe past performance. Long-term sustained and stable good performance is more important than short-term outbreak, so don't just look at short-term profit performance.
2 Fund establishment time. The fund has been established for at least 3 years. The longer it is established, the better the future income will be predicted, and the ups and downs will not be too great.
3 Fund size. The fund scale is too large, and it will be more difficult for fund managers to operate. Generally, the fund size should not exceed10 billion.
4 fund manager. Choose a fund manager with strong operational ability, and the funds managed will have higher returns. And don't buy funds that frequently change fund managers.
Five fund companies. Choose the funds of large well-known fund companies, because the strength of the investment and research team of large companies and the ability of their funds to cooperate with each other are beyond the reach of small companies.