First, analyze the risks of the platform.
Yin Hua Monetary Fund, as a product issued by a fund company, has different sales channels, including direct sales and consignment channels. After Yu 'ebao is connected to Yin Hua Monetary Fund, Alipay is the distribution channel of Yin Hua Monetary Fund. There is no risk for the money fund to go through the agency channel. All the assets of Yin Hua Monetary Fund are in bank custody. Just because we buy this fund through Yu 'ebao does not mean that the money is put in Yu 'ebao or Alipay.
To say the least, even if something happens to Yu 'ebao, we can still ask Yinhua Fund Company for money. When Yu 'ebao purchases Yin Hua Monetary Fund, you can also check your fund position records through the official channels of the fund company. Therefore, there is no risk in the sales platform of Yin Hua Monetary Fund.
Second, analyze the risks of products.
Money funds are highly secure and basically belong to the funds with the lowest risk. Looking at the investment scope of Yin Hua Monetary Fund A, more than half are short-term interest rate bonds and the other half are bank deposits. Interest rate bonds generally include government bonds, local government bonds and central bank bills, and the issuer is either the state or the government, with a high safety factor. Not to mention the safety of bank deposits, so there is no risk in Yin Hua Monetary Fund itself.
Third, analyze the risks of trading funds.
Yin Hua Monetary Fund is a public offering fund. Public Offering of Fund is a very formal financial product. Money for buying funds is generally deposited with the fund custodian. The fund custodian is generally a bank, and the transaction funds are guaranteed. Buying a formal fund is a loss, generally a loss in product investment, and it is difficult to see that there is a problem with trading funds.
Generally speaking, the risk of Yin Hua Monetary Fund is not great. As a money fund connecting Yu 'ebao, everyone can rest assured that it is safe and basically unlikely to lose money.