Will Alipay Fund lose money if it decides to invest for one year?

Before the initial investment, we thought the assets were like this, but we didn't expect to lose money in the end. Who is to blame?

There is no problem in simply investing in Alipay. If you blame Alipay for your loss, I have to say it.

It's not that Alipay is unfair, but because Alipay itself is not wrong, and the fault is you. Alipay is just a fund agency, just like a supermarket. But what fund you want to buy is nobody else's business.

If you buy the fund recommended by Alipay, it's not Alipay's fault. After all, you can't change for profit. You can only change yourself, so you should systematically study the fixed investment of the fund, learn to independently analyze the quality of the fund and the investment strategy of the fund, so as to play a good role in the fixed investment of the fund.

Otherwise, you will always be led by others.

2. Timing of fixed investment.

The questioner said that it has been a year and a half since the fund was fixed, but it is still losing money and will be taken out at the end of the year. Obviously, I didn't do my homework before I decided to vote, and I didn't start doing my homework until something went wrong. At this time, the tragedy has been formed, and if you want to save it, you can only stop loss.

The timing of the fund's fixed investment is beyond our control, depending on the market situation. Therefore, it is necessary to make a detailed plan and take out the funds that have been useless for at least three years.

Why three years?

Because in A shares, there will be a small bull market every three years. You can't leave until you reach the profit-taking rate. Therefore, the time of fixed investment is very uncontrollable. If possible, it is best to sentence the invested funds to more than three years' imprisonment or even life imprisonment. In this way, the probability of successful fixed investment will be greatly improved.

3. Fixed investment fund

Regarding the fixed investment fund, we must do our homework in advance and make clear our fixed investment fund, fixed investment target, fixed investment amount and so on.

Regarding the fixed investment fund, the subject said that he has fixed investment in domestic and foreign funds, which should not be too rigorous. Because QDII funds such as Guangfa Nasdaq 100 Index A are also issued by domestic fund companies, but the constituent stocks invested are foreign indexes.

If you invest in many funds, especially hybrid funds and active stock funds, the probability of loss is still very high, and the probability of making money in the end is relatively small (some students have personally tested it before, and according to the recommendation of the bank manager, they have invested in several hybrid funds and have not lost money for three years).

So before investing in funds, you should at least understand:

First, whether it is an index fund or a hybrid active equity fund. Of course, I suggest you invest in index funds.

2. What is the current index valuation? It is necessary to know which indexes are highly valued and cannot be fixed. Which indexes are undervalued and can be repaired. Finally, follow the principle of buying low and selling high, that is, buy low-valued index funds and sell profitable high-valued index funds.

Third, do you have a clear trading strategy and the corresponding trading amount? The fixed investment of the fund can't be invested all at once, nor can it be sold all at once. According to the data, buy in batches and sell in batches.

The above three issues must be understood before the fund decides to invest.