It took more than a year to put 70,000 yuan in Alipay funds and earn more than 1,000 yuan. Does anyone have a way to make money?

I also put money in Yu'e Bao before, and 10,000 yuan was only a few cents a day. Later, I bought some financial management products through recommendations, including one-month, half-year, one-year, and regular financial products. The income from Yu'ebao is a little better than that of Yu'ebao. On average, the income is one yuan per day for 10,000 yuan. Yu'ebao is suitable for friends who often need money in daily life, and it is suitable for those who have long-term spare money on a regular basis. I came into contact with funds half a year ago, and then gradually bought some. Normally, the income from buying funds is 3 to 4 times that of regular financial management. At the same time, the risks are much higher, but funds are less risky than stocks. There are dedicated managers to help us. In principle, I personally recommend buying funds and holding them for a long time. If you buy and sell frequently, the handling fees will be very high, and you won’t make much money in the end. When buying funds, try not to buy them all at once, but buy them in batches. If the price drops, buy a little to achieve your goals. Sell ??if the profit target is reached, and the final profit will definitely exceed Yu'e Bao.

With 70,000 yuan, you can only earn more than 1,000 yuan a year through Alipay financial management, and the annualized rate of return is only about 1.4%. This income is indeed too low, which shows that you have not yet mastered Alipay financial management.

In addition to being a third-party payment tool, Alipay has also developed a variety of financial products. There are various financial management methods, including Yu'e Bao, regular financial management, funds and gold, etc. As long as you study carefully, as a The one-stop financial management platform is fully suitable for ordinary investors. It should be easy to achieve an annualized return of more than 5%. In this case, as you said, it should be due to a lack of relevant investment knowledge and experience.

Let me talk about some of my experiences and opinions, hoping to inspire your financial management ideas.

1. Treat Yu’e Bao as Alipay’s basic financial management product

Putting 70,000 yuan in Yu’e Bao can achieve a rate of return of about 2.5%, and the annual income should be It’s more than 1,750 yuan, which is much better than the 1,000 yuan you mentioned. Therefore, if you are a financial novice, the first step is to transfer the funds to Yu’e Bao and enjoy the basic income of 2.5%.

2. Make Alipay’s regular financial management into an investment upgrade product

Alipay’s regular financial management is a medium- to low-risk, prudent financial management. The annualized rate of return is much higher than that of Yu’e Bao, and can reach annual returns of The yield rate is 3.5%-5%.

Therefore, if you want to increase financial management returns, the second step is to transfer part of the funds to Alipay's regular financial management products. In the early stage, you can choose some short-term financial management products to accumulate experience; in the mid-term, you can carry out product combinations of different periods. Obtain higher returns; eventually invest in some high-yield financial products on a rolling basis.

In this way, your investment income in Alipay can reach more than 4%, and the annual income of 70,000 yuan can reach about 2,800 yuan, which has more than doubled compared with now.

3. Try medium and high-risk fund investments

There are many types of funds, including low-risk currency funds, medium-risk bond funds, and high-risk partial stock funds. As the risk level increases, the possible returns will also increase, so you should improve your financial management knowledge and abilities and try to obtain higher returns.

With a capital of 70,000 yuan, you can invest about 20% of the funds in medium-risk bond funds. Choose some fund companies with stable historical performance, comparable brands and reputations. The annualized rate of return of bond funds can reach 6%. -10% or so. As long as you choose carefully and pay attention in time, the risk can be controlled.

You can also invest about 10% of your funds in partial stock funds, and with the accumulation of experience, the investment proportion can be increased. The best way to invest is through fund fixed investment. Don’t worry about initial losses. Generally speaking, the greater the initial loss, the more objective the future returns from fund fixed investment. As long as you persist for a long time, an annualized rate of return of 15% is achievable.

In this way, the income from medium and high risks can reach more than 2,000 yuan per year. If Yu'e Bao and regular income are added, the total investment income of 70,000 yuan can reach more than 4,000 yuan, and the annualized rate of return can reach 6 %.

Summary

The above method is not just theoretical, it is a summary of my actual experience. This is how I operated in the past few years.

After more than 4 years of practice, I have now mainly invested in partial stock funds. I feel that Alipay's financial products are relatively easy to use and relatively simple to learn.

If your annualized return on financial management through Alipay cannot reach 4%, you might as well buy treasury bonds. This only shows that your investment method is unscientific and you need to recharge and explore by yourself.

It is better to buy money funds. 70,000 is more than 3,000 a year. I only bought a few months.