1. Ruyibao currency is essentially a monetary fund, which mainly invests in market monetary instruments such as cash, agreement deposits and short-term bonds, with good liquidity and low risk. Ruyibao's money fund mainly invests in short-term monetary instruments with high liquidity and safety, and does not participate in stock investment, and has no direct connection with the stock market, so the risk is low.
2. Fund type: As a money fund, the security is the highest among all fund types, and the security of money funds is also in the forefront of all wealth management products. The money fund is safe because it invests in money market instruments with short term and high credit, and is mainly issued by institutions with high credit rating such as government, central bank and large commercial banks, with low default risk. Of course, the money fund can't guarantee the safety of the principal when investing, but the probability of loss is very small. Judging from historical gains, Ruyibao did not lose money.
3. Issuer: Ruyibao Currency is issued by China Minsheng Bank Fund, which is a wealth management product issued by the bank itself, with high security.
1. Ruyibao is a settlement service product that China Minsheng Bank Direct Bank cooperates with fund companies to automatically purchase and redeem the current balance of customers' electronic accounts. Wealth management products of money funds similar to Yu 'ebao. Moreover, it has the characteristics of low investment threshold, unlimited subscription, maximum redemption of 5 million yuan per day, real-time cash withdrawal and daily compound interest. Ruyibao docking money fund, the income is not as stable as the loan network Jubao 13% per year, and Ruyibao's income will be affected by the performance of the fund market.
2. Distribution and calculation of Ruyibao's income: calculate the dividend income every day and pay the income every day; The income is carried forward to the fund share in the form of dividend. For the account balance before (T) 15:00 on each trading day, the income is calculated on working day T+ 1, and the income on working day T+2 is carried forward to Ruyibao balance; Subscription of account balance after T day 15:00 will be included in the next working day.