Is Alipay financial management safe?

The wealth management products in Alipay are more reliable. Specifically, the risk is probably proportional to the income. If you only choose some stable wealth management products with low annual yield, such as some short-term debt bases, the risk is very low, and of course the income will not be much higher than that in the bank or Yu 'ebao. But if you want to pursue high-yield and advanced financial management, such as buying some high-yield funds, the short-term risks are great.

General foundations are divided into the following four categories:

1. Monetary funds: mainly bank deposits, short-term bonds and capital-guaranteed products, such as Yu 'ebao. 2. Bond funds: fixed-income financial instruments such as treasury bonds and financial bonds are the main investment targets, which are suitable for people who can accept losses below 20%. 3. Equity funds: More than 80% of fund assets are invested in stocks, and the rest can be invested in bonds and currencies. We often say that index funds are equity funds. .4 Hybrid fund: a fund that invests in stocks, bonds, money markets and other instruments at the same time, and has no clear investment direction. For financial management, if you want to make money, money funds and bond funds are the mainstay, and capital preservation is the mainstay.

If you see a fund with the same name, the main difference is the last letters A and C, and the fund ending in A is a long-term fund, which is generally invested for more than one year; Funds ending in C are short-term funds, which are suitable for short-term investment within one year. The main difference between the two is the different charging methods. Purchase of Class A funds requires payment of subscription fee and redemption fee; To subscribe for Class C funds, there is no subscription fee, but there is a sales service fee and redemption fee (Class C funds have a system of no redemption fee for 7 days). In a word, everyone must have an understanding of risks and benefits, and also have a clear understanding of the concept and purpose of investment. It is suggested to study systematically before doing exercises.

When many people just bought these wealth management products, they like to buy those with outstanding past performance, but this often leads to the so-called chasing up and killing down, buying at a high level and selling at a low level. There are no stocks that have been rising in the stock market. The same fund is investing in stocks, and it is impossible to keep rising. Most of the good performances are already at a high level, so you need to be more cautious when buying.

We also need to pay extra attention to a key indicator, that is, the maximum withdrawal rate. The maximum extraction rate refers to the maximum extraction rate of yield at any historical point in the selected period when the net product value reaches the lowest point. Simply put, it is the biggest decline of the fund in the past period of time.

For example, in my English exam this semester, the highest score was 100, and the lowest score was 60. Then my test scores this semester dropped from the highest to the lowest, about 40%. It should be noted here that the biggest withdrawal will not really lose that much, but the worst situation you may encounter if you hold this fund for a long time. Make an estimate in advance. The maximum amount of evacuation is small, which means that your loss is also small.

In a word, investment is a question of risk and return. If you don't care that the return is only a little higher than the bank's interest rate for the same period, the risk is very low, but if you want to pursue high return, you naturally have to bear high risks. For ordinary people, investment is to invest with spare money, not lifelong investment, so we must use spare money to manage our finances.