Alipay can also buy funds for financial investment. We often deposit money in Alipay's balance treasure. In fact, Yu 'ebao is also a wealth management fund, but Yu 'ebao is a money fund, which is relatively less affected by market fluctuations. In addition, there are index funds, stock funds, bond funds, hybrid funds and so on.
From the perspective of risk and stability, money funds are the most stable, followed by bond funds, index funds, hybrid funds, and finally stock funds.
As its name implies, index fund is to follow an index and buy some or all of the constituent stocks in the index, thus forming the investment portfolio of the fund. The trend of such funds is roughly the same as the underlying index, which can be regarded as a copy of the index. Because the fluctuation of the index in the market is relatively stable, although there are fluctuations, the fluctuation of the index will be smaller than that of the constituent stocks in the index. Therefore, the fluctuation of index funds tracking the index is relatively small.
Bond fund bond fund is a fund with bonds such as treasury bonds and financial bonds as investment targets. As we all know, bonds are fixed-income products. Although the price of bonds will fluctuate, the more reliable bonds are, the higher their price stability will be. In addition, bonds have fixed income, so the fluctuation of bonds is also very small. Anyone who has bought national debt knows that it has high reliability and low risk, and even long-term national debt is relatively stable. Therefore, bond funds are also relatively stable funds.
In addition, some partial debt funds are relatively stable, only a small number of stocks are added on the basis of bond funds, but the overall stability is still very good.
Stability means that the risk is small, and the risk and return are accompanied, so stability means low risk and low return. We should invest according to our own investment risk preference, and at the same time pay attention to diversification to reduce the overall investment risk.