According to the data of China Fund Library, about 61% of the basic citizens in China are young people, which is equivalent to more than 311 million young people's investment funds in China. Of course, this phenomenon also stems from the rise of the Internet. Nowadays, it is so convenient to buy funds online. Even Alipay, the payment software we usually use, can buy funds. Can Alipay make money by buying funds?

nowadays, it is very convenient to open the mobile phone software, check the specific situation of the fund with your fingers, and complete the operations such as buying and selling. However, although funds are very popular, not everyone can make money. Take Alipay as an example, the fund users here have earned and lost.

In p>2121, Alipay released a financial report, including the profit and loss of Alipay's "Jimin" purchase fund. From this report, we can roughly divide the citizens into two categories, one is to hold the fund for about three months, and the other is to hold the fund for about three years.

in the first category, among the "basic people" for three months, only 14% of all the "basic people" made money with a profit of 5% or more, while 58% made a loss with a loss of 5% or more;

in the second category, among the "basic people" in three years, the proportion of profit of 5% is as high as 97.5%, on the contrary, the loss of 5% is only 5%. From this result, we can see that among the people who buy funds from Alipay, there are indeed many people who make money, and of course there are many people who lose money. The most important thing is that the profit or loss seems to be determined by the holding time. Profit and loss are determined by "time"?

from the results of this report alone, we can draw a conclusion: the longer the fund is held, the greater the possibility of its profit. So is this really the case? In fact, it is really possible. bodo schafer, a famous German investor, once expressed similar views in his book.

However, this can only represent a kind of relevance, and it does not mean that all funds can make profits as long as they are held for a long time. After all, there is a big difference between funds, which should be comprehensively considered in terms of issuance time, issuing company, average rate of return and so on.

Moreover, even if the risk of the fund is lower than that of the stock, there are still some risks. Even the basic people of Alipay have been holding it for more than three years, and 5% of them are still losing money. Obviously, this is only an experience and a suggestion, but it is not absolute. If you really want to make money from the fund, besides luck, personal understanding of the fund is also very important.

So, funds are very profitable, and many people are eager to make money through funds, but it is important for us to face up to their risks, not to invest blindly, not to invest all our assets directly in funds, but to learn to spread our risks and stop losses in time.