Does the subject want to ask "What is the biggest risk of accumulated funds in JD.COM"? Market risk. JD.COM's accumulated funds are mainly invested in financial products such as money funds, and the returns of these products are affected by factors such as fluctuations in market interest rates and changes in risk appetite. The decline of market interest rate, risk preference or liquidity problems of money funds will lead to the decline of investment income and even losses. Therefore, the biggest risk of accumulated funds in JD.COM is market risk.