1. Is Yu 'ebao safe?
Scale risk
The scale risk that the money fund is most worried about is that the scale is too small and the liquidity is not enough. At present, the scale of Yu 'ebao has exceeded 250 billion, and it is likely to exceed 500 billion this year, which may lead to the problem of insufficient bill products in the money market. Because the scale of Yu 'ebao is too large and involves a wide range, even minor technical failures and income risks may lead to great turmoil in the investment community. If Yu 'ebao is forced to split because of its large scale in the future, how will investors' income be distributed?
technical risk
In the era of Internet financial explosion, everyone is racing around, gathering customers and playing big data. Whoever has more users wins. Of course, a huge user base needs perfect network technical support. If there is a system upgrade or crash, it is hard to guess what kind of risks will occur. As the leader of Internet finance, Yu 'ebao has a strong team and the best resources, and the risk is much smaller than other Internet platforms.
Income risk
The risk of the money fund itself is relatively low. With the increasing scale of market funds, the idle rate of money funds has been in a state of decline, and interest rates may be in a state of decline at any time when the yield fluctuates little, so the deposit income will be lower than the expected income and the expected income will shrink.
If the poor management of the Monetary Fund leads to bankruptcy, the Monetary Fund will not participate in asset liquidation, and the Monetary Fund will not be redeemed at that time. Paypa's bankruptcy in 2008 is a warning.
Generally speaking, the safety factor of Yu 'ebao is still relatively high, and everyone can still use it with confidence. If a large amount of deposits are put into Yu 'ebao, it is recommended to choose other wealth management products! After all, the yield of Yu 'ebao is still relatively low, and it is also a rainy day.
So is the balance treasure of 250,000 yuan safe?
This kind of security can be said from two aspects: first, the security of whether the income shrinks; But from the perspective of the security of Alipay.
First, whether the income is shrinking is safe.
Putting 250,000 yuan into Yu 'ebao, the biggest wish is to gain income. Yu 'ebao is a monetary fund. Although the market and money market are changing every day, the domestic money market is stable at present, and the 7-day annualized interest rate of the money fund has been relatively stable during the changes. The expected income is not much different from the actual income, and it is higher than the bank demand deposit.
However, with the increasing scale of Yu 'ebao or the instability of the money market, the risk of income loss is a little, but it is much smaller than other wealth management products.
Second: the security of Alipay itself.
As an Internet platform for third-party payment, the technical security of Alipay is related to the user's Alipay security. As a leader and leader in the industry, its technical safety is relatively reliable.
Therefore, 25 yuan deposit balance treasure is relatively safe, but it is not the best financial plan. If100000 yuan is idle funds, it is recommended to consider other wealth management products. In the upsurge of internet finance, choosing the right financial products will also get considerable benefits.