Why does my financial management always show the purchase confirmation, when can I buy successfully, and what will be refunded if I fail to buy?

Financial purchase has always been confirmed, that is, the money used by investors to buy financial products has not been confirmed, and only after confirmation can the purchase be considered successful. After the subscription fails, the funds will generally return to the account within one trading day. The wealth management products purchased by users in Alipay are generally fund products. When users choose funds, they can choose different types, but different types of funds face different risks after investment.

Users should pay attention to the handling fee when buying funds in Alipay, because the handling fee will affect the cost of holding funds by users. However, many funds in Alipay do not charge fees. For example, money funds, there is no charge for buying or selling.

Users usually use their spare money when investing in funds. After all, funds can only make money if they are held for a long time, and many people will adopt the method of fixed investment when investing in fund management, that is, they buy a certain number of funds every month, which can dilute the holding cost through long-term buying.

When a fund invests, it usually needs to pay attention to its net worth, and investors need to buy at a lower net worth position, so the chances of profit in the later period will be great. Try to avoid buying at the point where the fund's net worth is high, which will increase the cost of investment funds and make it more difficult to make profits later.

: How to buy wealth management products?

If investors want to buy wealth management products from commercial banks and open bank cards in the corresponding banks, they need to carry their bank cards with them. Let's take Niu Ge as an example. If investors are more optimistic about China Merchants Bank's wealth management products, then go to China Merchants Bank's local outlets to open an account, and then make it clear to the wealth management manager or lobby manager that the purpose of opening an account is to buy wealth management products before opening a new account. Bank staff will help you open the relevant financial management authority and remind you of the risks of related financial products.

Investors should remember to let the bank staff open the online subscription and financial management function, and must open the online banking transfer function. When investors buy wealth management products, they will encounter the problem of capital transfer. At this time, there is online bank transfer or mobile bank transfer, so you don't have to spend time making withdrawals and deposits between different bank outlets. Riding a bull and watching a bear find that there are many kinds of wealth management products on the bank APP, and investors can also choose the products that suit them for family asset allocation.

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