Investment must be risky, but the risk of Yu 'ebao is very low, almost zero if it is handled properly. \xd\ The risks of Yu 'ebao mainly come from the following aspects: \xd\1. Supervision. \xd\ According to the regulations of the central bank on the management of third-party payment platforms, the balance of Alipay can be purchased as agreed deposits, but there is no clear regulation on whether the fund can be purchased. Yu 'ebao's practice of realizing the fund sales function with the help of Tianhong Fund is playing the edge ball. From a regulatory perspective, Yu 'ebao is not legal. Once the regulatory authorities make an attack, Yu 'ebao may be stopped. \xd\2. Money market risk. \xd\ The income of monetary funds is not fixed, and so is Yu 'ebao. If the money market does not perform well, the income of monetary funds will also decline. The income of Yu 'ebao comes from the money fund market income, not Alipay payment. \xd\3. Risk of disputes. \xd\ Yu 'ebao didn't remind users of the investment risks of money funds, and most people don't have common sense in this respect. Once the users of Yu 'ebao have disputes over income, legal disputes are hard to avoid. \xd\4. Risk of competition with banks. \xd\ Alipay launched Yu 'ebao, in fact, in order to improve the user's viscosity and attract the idle demand deposits of users to the Yu 'ebao in Alipay, which is convenient for users to shop online, and will endanger the interests of banks to some extent. \xd\ You can pay attention to the financial information, and if there is serious negative news, you can withdraw the funds from the balance treasure, which usually arrives in the account within 2 hours.