How does Alipay choose a fund?

Now people's lives are getting richer and richer, and many people want their wealth to increase. In particular, buying funds provides a first-class financial management method for those who have no time to study the stock market. As we all know, there are many fund companies. If buying from various fund companies increases the troubles of ordinary users, how does Alipay choose funds?

The following small series teaches you how to find a fund.

Step 1: Find the wealth of ants.

Method 1: directly search for ant wealth;

Method 2: Find the fortune of ants. After clicking more, you often need to drop down. Of course, if there are many applications, you can also find them in the introduction column. Click to enter the ant wealth;

Step 2: After entering the main interface of Ant Wealth, in the middle of the bottom, select financial management;

Step 3: The main interface of financial management will pop up-there is "Fund" in the middle and upper part, click to enter;

Step 4: After entering the fund interface, Alipay will introduce the popular funds, select the funds it holds at the bottom and check the funds it holds;

Step 5: If you are looking at a popular fund, you can directly buy or choose to invest in your favorite fund after clicking in;

Step 6: If you choose to hold, you can now check your own funds and click on your own funds;

How to choose a fund?

1. Choose according to risk and expected annualized expected return.

From the perspective of risk, different funds bring different risks to investors. Among them, equity funds have the highest risk, money market funds and capital preservation funds have the lowest risk, and bond funds have the middle risk.

2. Choose according to the age of the investor.

Generally speaking, young people's career is in the initial stage, their economic ability is acceptable, their families or children have a lighter burden, they can't make ends meet, their risk tolerance is higher, and their investment period is correspondingly longer. Equity funds or balanced funds with a high proportion of stock investment are good choices.

Middle-aged people's family life and income are relatively stable and become the main investment force of open-end funds. However, due to its heavy family responsibilities and moderate risk tolerance, it should adhere to the principle of stability while considering the return on investment. You can choose according to your own preferences and economic base. It is best to diversify risks and try a variety of fund combinations.

In old age, there is generally no additional source of income, mainly relying on the expected annualized expected return of pension and previous investment, with relatively small risk tolerance and short investment period.

3. Choose according to the investment period

Long-term investment with an investment period of more than 5 years can invest in products with relatively high risk factors such as stock funds. For medium-term investments with an investment period of 2-5 years, in addition to high-risk fund products such as stock funds, some debt-based or balanced funds with relatively stable annualized expected returns should be added to obtain relatively stable cash inflows.

For short-term investments with an investment period of less than 2 years, the investment should focus on low-risk fund products with stable annualized expected returns such as bond funds and money market funds.

The above is the introduction of how Alipay chooses the fund. I hope everyone can gain a lot after reading it. I wish you all a happy investment and financial management!

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