Changing the fund needs to meet the following conditions:

1, mainland (mainland) users;

2. I have uploaded a photo of my ID card on Alipay;

3. Switch the general transfer-out between non-payment and non-payment in the current trading day;

4. There was no switching or upgrading operation on that day;

5. Yu 'ebao has no frozen amount;

6. It is suggested to avoid the afternoon of 15 and around 0-4 o'clock;

7. If it is 18 years old, you need to empty the balance treasure first, and then there will be replacement options when transferring money again.

Yu 'ebao takes 3: 00 pm on the trading day as the time node, and the fund switching in different stages is affected to varying degrees: if the fund is changed before 3: 00 pm on the trading day, the income of 1 day will be lost, that is, the interest of the day. If you change funds after 3 pm on the trading day, you will lose two days' income, that is, two trading days' income after the loss. If you change the foundation after 3 pm on Friday, you will lose interest for three days, that is, you will lose interest on Saturday, Sunday and Monday. After the switch, the new foundation confirmed its share on Tuesday, and the proceeds arrived on Wednesday.

Yu 'ebao is connected with the money fund, which mainly invests in fixed income targets, with low risk and stable income. However, there have been losses in the history of the Monetary Fund. However, the absence of Yu 'ebao in history does not mean that risks do not exist. As a wealth management product, Yu 'ebao does not promise to protect the capital and income.

At the same time, as a money fund that can be redeemed at any time, there is bound to be liquidity risk. If a large number of funds are converted at the same time, if the fund company can't handle a large number of redemption problems well, liquidity risk will arise.

In addition, the fund replacement of Yu 'ebao is the replacement of different money funds parked behind. There is no charge for replacement, but the replacement itself will save a few days' income, because when the fund is replaced, the original fund will not calculate the income of the fund on that day, and the new fund will not start calculating the confirmed income until the next trading day. If there is a holiday in the middle, there will be no income these days.

As an online financial product, Alipay also has network risks, such as mobile phone intrusion, number theft, server failure or force majeure, but don't worry too much. Alipay's own security technology is still excellent. If the system detects a high-risk operation, Alipay will prompt that there is a risk, interrupt the operation, and provide users with account security insurance.

(operating environment: ipad2020 14.8. 1 AliPay 10.2.38)