Because Alipay has a large number of users, there are many products and services. As a fund consignment platform, there are many fund products sold on it. At present, China has strict regulations on fund consignment, and it is necessary to have a third-party fund consignment license to sell funds to customers. If there is no agency license for third-party funds, then this platform is illegal. In this case, it is illegal to sell funds. In this regard, Alipay is no problem. Alipay belongs to Ant Financial, which has the license and qualification to sell third-party funds. Therefore, from the perspective of the consignment platform, the risk factor is still relatively small.
Another aspect is the fund product we bought, which contains risks. From the risk level, there are low-risk, medium-risk and high-risk fund products. Before we buy, we must be clear about the risk level of this fund product we buy.
Of course, high risks bring high returns, but high-risk products may not be suitable for everyone. When we choose fund products, we must make a reasonable choice according to our actual situation.
Alipay is a consignment platform, but behind it, different funds, fund companies and fund managers will invest the fund's money in different products. Some funds are stock funds and will invest in the secondary market for trading. Some funds are index funds; Some foundations invest in the futures market; Some foundations invest in gold and foreign exchange markets; Some foundations mainly invest in national debt, so when we buy a fund, we must know where the money of this fund product is invested.
In addition, we also need to know whether the fund manager who trades this fund has experienced ups and downs or steady growth in the past, and what his trading strength is. Although history does not necessarily represent the future, especially in the rapidly changing financial market, it also has certain reference significance.
For the fund we are concerned about, we should also know his return on investment and income in recent years, and whether there is any change in fund managers; When there was a big fluctuation in the past, what caused it, objective or subjective; Under the same circumstances, is there any fund that performs better?
For, the investigation of the fund company to which the fund belongs is also a top priority. Only by comprehensively considering the time of establishment, the history of fund issuance, the stability of fund managers' team and word of mouth, can we reduce the risk and insure our wealth management funds.
Only a reliable platform, reliable team and reliable operation can minimize the risk factor faced by our investment.