Funds can be purchased through various channels, including Alipay. So can the fund on Alipay be bought? Is there any danger? The following is the relevant content of Alipay fund purchase prepared by Xiaobian for everyone, for your reference only!
Can I buy a fund on Alipay?
The funds on Alipay can be bought. As an Internet finance company, Alipay provides a variety of fund products to choose from through its platform.
Both stock funds and money funds on Alipay can be purchased. Among them, money fund is a fund product with low risk and stable income, which is very suitable for short-term savings and financial management. Equity funds are suitable for people who have a better understanding of the stock market and a higher risk tolerance.
The steps for purchasing Alipay Fund are as follows:
1, download and install Alipay, and complete real-name authentication;
2. Find the "fund" function entrance in the "wealth management" channel;
3. Choose the corresponding fund products according to your own needs and risk tolerance;
4. Confirm the purchase amount and payment method, and then carry out the payment operation.
Is there any danger?
The funds on Alipay are relatively reliable, and there is basically no danger. However, if you are really worried, you can pay attention to the following points when buying funds:
1. Understand the risks and benefits of the selected fund.
There are certain risks in the fund products themselves, and different types of funds also have different degrees of risks and benefits. Therefore, before buying a fund, you should fully understand the risk and income level of the selected fund and make clear your risk tolerance.
2. Choose reliable fund companies and products.
To buy a fund, you need to choose reliable fund companies and products to avoid unnecessary risks. When selecting fund companies and products, it is recommended to pay attention to their asset scale, performance and other indicators, and refer to the evaluation results of relevant rating agencies.
3. Pay attention to the cost.
The purchase and holding of funds will incur certain expenses, such as subscription fee, management fee and redemption fee. This will directly affect your fund income. Therefore, before buying a fund, you need to know the relevant expenses.
Can I buy the fund in Alipay? Is it safe?
The funds in Alipay can be bought and safe, but it doesn't mean that investors can definitely make money. As we all know, whether you buy wealth management products from banks, Alipay or WeChat, the types of wealth management products and their income are the basis for investors to make profits. Banks, Alipay or WeChat are just a channel for users to buy. Alipay is a big platform, and the safety of users' funds is still very reliable.
Therefore, investors need not pay too much attention to the fund purchase platform. More attention should be paid to the types of fund products, term, purchase and redemption, income and the ability of fund managers.
Is it safe to buy funds in Alipay?
There is no risk in buying a fund on Alipay platform, but the principal of the fund has certain risks. The fund is not a capital-guaranteed product, and it may lose money. Funds are divided into different types according to investment targets, and the risks are large and small. Investors can choose the right fund according to their risk tolerance.
Investors with low risk tolerance can choose money funds, bond funds and FOF funds, while investors with high risk tolerance can choose hybrid funds, stock funds, index funds and ETF funds.
Indexed securities investment fund
Some related institutions have screened out those enterprises with stable performance, high circulating market value and strong industry representation to form index funds. Compared with investing in other assets, index funds buy companies with a basket of stocks. When the industry goes up, your profits go up, so you can bring more profits, drive the index to keep rising, and effectively share the rise of the overall market income. It can also bring more investment income.
As long as the country has a stable economic environment and the companies behind the index can continue to make profits, then our index funds can make money. We sometimes say that buying index funds means buying national wealth. As long as we believe that the country will continue to develop, buying such index funds will rise for a long time, but the index funds we are talking about are large-cap stocks, such as the Shanghai and Shenzhen 300, which is the index fund.
In the past 20 years, the overall national condition of our country is very good. According to statistics, since the establishment of the Shanghai and Shenzhen 300 Index 16 years, the annualized rate of return is about 10.3%, while the CSI 500 Index 14 years, the annualized rate of return is 8.5 percentage points. It has been 30 years since the establishment of the Shanghai Composite Index, with an annualized income of about 22.8%, while the annualized income of Shenzhen Component Index reached 8.5% in the same period.
From these data, we can see that the long-term annualized rate of return of our A-share index can reach about 10%, and the annualized rate of return is 10%. Some people may still think it's low, but think about it. The annualized deposit interest rate of our bank is only about 2%, the highest balance treasure is 2.5%, and the bank's guaranteed wealth management products are about 4%. You can check whether you have outperformed 10% in the past year, three years or even five years, and whether you have outperformed the market. If you have really won, you might as well give up investing in the stock market, buy some index funds in a down-to-earth manner, be a patient and quiet investor, see more of China and enjoy the dividend of our country's development.
Next, I will teach you how to search for the detailed information of the fund you want on Alipay platform. First of all, let me talk about it. Try not to buy the funds recommended by Alipay's homepage, because they are all spent on advertising. I'm just telling you, if you can't understand index funds, what should you think? And how to buy it, right? We can open Alipay first, search for funds at the top, and then click on the fund ranking in the search results to find many funds, or we can directly search for fund names, from which we can see a lot of detailed information.
Today, I mainly talk about how to buy funds in Alipay!
First, open Alipay. In the bottom five options, click "Financial Management" to enter the financial management page, and find the "Fund" option below the amount figure. If not, click More, and then click Funds.
After entering the fund page, there will be fund rankings, hot sections, gold selection basis and other sections, which can help newcomers to choose high-quality funds. Among them, the fund ranking and gold selection foundation provide good returns for the fund. In the fund ranking, we can see the performance ranking, fixed investment ranking and valuation ranking.
I usually only look at the rankings. I think "fixed investment ranking" is a fund with high returns and high quality, but there is also the risk of callback. You can make a small fixed investment (set a certain amount, buy it automatically at a fixed time, or operate it yourself). "Valuation ranking" is the so-called fund with rising potential. It is not recommended to buy blindly! Then, under "Performance Ranking", you can drop down and select the fund type and the increase of the fund in the time period!
In the "hot plate", you can see the funds that rose a lot that day, and you can also see the hot plates that were sought after by the funds that day. However, we should also pay attention to the rotation of funds. Perhaps the hot spot of buying funds today is the hot spot of selling funds tomorrow. You can refer to it, but don't blindly chase up, chase hot spots!
So, how to buy a fund? For a simple example, in the fund ranking, click on the first fund "Qianhai Kaiyuan New Economy Flexible Configuration Mix A", and there are two options at the bottom of the fund page: "Fixed Investment" and "Buy". According to your own situation, click, then enter the amount and pay! You can also choose "Add Optional" to observe for a period of time before buying, return to the "Funds" page, and click the "Optional" option in the middle of the bottom to keep an eye on the funds you have added!
Of course, buying funds is not so casual, and there are still many details to pay attention to. Later, I will share my own groping process, how to treat a fund's position, transaction costs, transaction time and so on.