Changing the pass has a certain low risk and is not foolproof. Although the money fund is one of the low-risk wealth management commodities, it does not guarantee the minimum income, so it is likely to lose money.

In addition, the income of "change pass" is different from that of bank demand deposits. Financial institutions deposit interest, and pocket money is fund income, which is different. From the perspective of security risk, buying a fund is definitely more risky than deposit. In other words, pocket money is a kind of project investment, that is, project investment will be risky, although the income of pocket money is much higher than bank interest.

Disadvantages of changing the pass:

First of all, if you switch from pocket money to pocket money, you can't switch to a credit card, you can only switch back to pocket money. From pocket money to credit cards, everyone can only withdraw the cash balance 1000 yuan for free in his life. If the limit is exceeded, the surcharge must be deducted at 0. 1% of the cash, at least 0. 1/ transaction.

Secondly, the main function of WeChat is social network, but financial function is added to social network. Many people often chat on WeChat and share various links. If they are not careful, they can easily click on viruses or phishing websites, which will easily lead to financial risks. In addition, if some friends often add strangers as friends in group chat, they will be restricted from logging in, and in severe cases, they will be blocked. Although there are channels to restrict login or withdraw cash after sealing, they will be in trouble.