I can see that you are considering whether to invest in Yu 'ebao, but you are still worried about the safety of Yu 'ebao. First of all, I want to declare that investment is risky and we must be cautious. Personally, I don't recommend putting all your eggs in one basket, so I don't recommend putting all your belongings on Yu 'ebao. For the specific investment direction of the fund, please read Article 2 in detail.
Anyway, I think the risk you are worried about is actually a security issue, which can be divided into two understandings. One is to see whether the funds in the account are safe from the perspective of theft prevention, and the other is to see whether the investment is safe from the perspective of investment. Let me explain it to you from these two angles.
1. Capital security from the perspective of anti-theft
First of all, no company dares to promise that its products are absolutely safe, because technology is constantly improving and there will be loopholes that have not been discovered before. Low risk does not mean zero risk. There is also a one-in-a-million chance of an accident by plane, but we won't stop flying because of this extremely low chance, will we?
Personally, I think it is very safe, because the funds transferred from Yu 'ebao are transferred to the bank card you are bound to.
This bound bank card refers to the bank card registered with the ID information you used when registering Alipay account, which means that only your own card can be bound with Yu 'ebao and transferred into the transfer-out relationship. Mainly considering safety, very reliable!
When transferring out, some banks transfer out in real time, and most banks will have a delay for a while, but it won't be too long. My personal experience did not exceed two hours.
If it is not directly transferred to the bank card, the cash on Yu 'ebao can also be directly used to repay credit card arrears and Taobao shopping. There is no requirement for credit card repayment. You can put someone else's card into your account, and of course you can only repay it.
However, if others want to use your balance treasure to pay off their credit card debts, they also need: 1. Your account password, please press 2. Your Alipay wallet gestures to unlock, 3. Your payment SMS verification, as well as 4. If you set a transaction password, you also need your transaction password.
If a strongman steals your mobile phone and has enough ability to solve these problems … then you can change your password before he cracks it! After all, under such multiple insurance, even the strongest people need time to crack it. During this time, I believe that you can instruct Alipay customer service to stop account operation, and at the same time, go to the mobile phone card to report the loss and apply for a new card with the same number to prevent the other party from resetting various security settings by SMS verification.
Judging from the current situation of Yu 'ebao, the risk is very small. First, there are no actual risk cases; Second, Tian Hong Fund insured the account and promised to fully compensate the principal in case of risk.
The average annualized rate of return is between 4% and 6%, which is not the highest. But the money inside is alive, and you can transfer it in and out at any time, which will not affect your unplanned expenditure.
2. Capital security from the perspective of investment
The essence of Yu 'ebao is a monetary investment fund. Let's just say. How many years have you been watching Huaxia Fund? This is also the stability of such funds, which can basically be said to be guaranteed.
The profit model of monetary investment funds is to invest funds in various fields according to a certain proportion and get returns. To put it simply, our fund holders entrust their own funds to fund investment companies for investment and gain added value. The guaranteed income announced by Yu 'ebao is 4.2%, which is very easy for money investment funds to achieve. Therefore, it is unlikely that Yu 'ebao will collapse. Because there are many kinds of funds, radical funds are more risky, and the publicity income is 10%. Compared with them, Tian Hong Fund behind Yu 'ebao is essentially a stable fund. Don't worry, it's safe.
Monetary fund is an open-end fund. According to the types of financial products invested by open-end funds, people divide open-end funds into four basic types: stock funds, hybrid funds, bond funds and monetary funds. The first two belong to the capital market, and the latter is the money market. Monetary funds mainly invest in short-term financial products with high security, such as bonds, central bank bills and repurchase. , also known as "quasi-savings products". Their main features are "worry-free principal, convenient demand, regular income, daily income and monthly dividend".
There are some risks in money fund investment, but compared with other investment methods, the risks are still relatively small. The risk of money market funds comes from the short-term bonds they invest in and the changes in market interest rates. When the market interest rate suddenly changes and the short-term bond interest changes, the fund fails to adjust in time, resulting in a decline in overall income. There is also the risk of competition from its own industry, and the calculation of its seven-day annualized rate of return is based on the most favorable price of the fund company in the income curve of the day. Causing the difference between quoted income and actual income.
Generally speaking, when the following two conditions are met at the same time, the money market fund may lose its principal: first, the market yield rises sharply in the short term, resulting in a sharp drop in securities prices; Second, the money fund redeemed a large number at the same time, unable to hold bonds with falling maturity prices, and caused actual losses after selling bonds. According to relevant calculations, the probability of a single-day principal loss of money market funds is very small (0.06 1 17%). If you hold it for a week or a month, the probability of principal loss is close to zero. With the extension of holding period, the loss probability caused by market risk will be very low. However, domestic monetary funds are not allowed to invest in stocks, convertible bonds, corporate bonds below AAA level, so the probability of credit risk is low.
As mentioned above, Huaxia Fund, by the way, as the boss of the fund industry for many years, is now threatened by Yu 'ebao. It's also easy to understand. After all, the channel publicity effect of Yu 'ebao is too strong. Look at Taobao's daily traffic. They don't have to invest in publicity, and their online shopping platform is the best advertisement. Judging from the current situation of Yu 'ebao, the risk is very small. First, there are no actual risk cases; Second, Tian Hong Fund insured the account and promised to fully compensate the principal in case of risk. So the balance treasure in your hand is actually a fund, Tian Hong Fund, a sound investment fund. The fund market will basically not collapse, and the fund will not easily become waste paper unless it encounters strong force majeure such as financial storm, earthquake and tsunami and war disaster.
I attach the daily income/annualized rate of return of ten thousand yuan in the last week:
3. 13: 1.4878, with an annualized rate of return of 5.647%.
3. 14: 1.4 1, with an annualized rate of return of 5.628%.
3.15:1.4818, and the annualized rate of return is 5.6 1%.
3.16:1.4816, with an annualized rate of return of 5.592%.
3. 17: 1.4628, with an annualized rate of return of 5.568%.
3. 18: 1.4726, with an annualized rate of return of 5.555%.
3. 19: 1.4786, with an annualized rate of return of 5.544%.
The yield is obviously many times higher than the current interest rate in the same period, and it is unlikely to lose money at present.
In short, Yu 'ebao is very suitable for people who need flexible financial management, especially for young people with little personal funds but unplanned spending.
I hope I can help you! If in doubt, keep asking. If it is useful, please adopt it.