Under normal circumstances, Yu 'ebao has little risk, but from the current market situation, its security has declined. In fact, the price of crude oil futures has fallen to negative value. Don't investors realize it? Because this is the first breakthrough in history. Next, with the change of market environment, all kinds of financial products may have accidents, so you need to improve your awareness of financial risk prevention!

There is a certain sense of crisis, at least it will not suffer huge losses like BOC's crude oil products. In other words, to improve the risk prevention awareness of wealth management products is not to let you take them out in advance, but to pay attention to the seven-day annualized rate of return and trend of money market funds at any time.

The funds transferred to Yu 'ebao are guaranteed by Alipay. Users transfer funds to Yu 'ebao and purchase corresponding wealth management products from fund companies and other institutions. Yu 'ebao consists of Alibaba and Tianhong Fund, among which Tianhong Fund is the largest monetary fund company in China. The main purpose of the monetary fund is to invest in securities with high security and stable income, such as national debt and bank deposits. As a kind of fund product, money fund has losses in theory, but from the historical data, the income will be relatively stable and the risk will be minimal.

First of all, Alibaba has the world's top programmers and protection network. After Alipay came out, there was basically no incident in which the money in Alipay was hacked, so this 70,000 yuan will not disappear inexplicably.

Moreover, Yu 'ebao is essentially a money fund. As a very stable money fund, the possibility of Ali's fund manager's short position is basically zero, and it will not be lost by the fund, which is also reassuring.

To sum up, as long as Alibaba does not close down, the bank does not close down, and the national economy does not collapse, the principal of 70,000 yuan will be deposited in Alipay account.