Although the investment is risky, as an investment product of Alibaba, it can be guaranteed financially, and there are many products. Yu 'ebao is a product promoted by them, so the safety is guaranteed to some extent.
(1) The combination of Yu 'ebao and Alipay means that Yu 'ebao and Alipay are connected with each other. Some people even regard Yu 'ebao as Alipay, but Alipay has no interest.
(2) The threshold of Yu 'ebao is very low, and tens of dollars and one hundred dollars can also be saved. You can choose to invest a small part to test the water first, and then decide whether to continue investing.
(3) The money of Yu 'ebao can be withdrawn at any time, which is flexible and convenient. Once something goes wrong, you can call it out immediately.
2. For the balance treasure connected with the money fund, the possibility of loss of principal is extremely low, and there has not been any loss of principal of the money fund in China. However, it is not excluded that in extreme cases, the money in Yu 'ebao will lose its principal.
(1) Social unrest: Social unrest need not be described. In the case of social unrest, all walks of life are decadent, social order is chaotic, and financial order is even more absent. Monetary funds operating under normal market order will come to an end at this time-blowing out the lights and pulling out the wax, and bulk goods will leave the market.
(2) Severe financial crisis: Under the scenario mode of severe financial crisis, although the social order is still stable, the financial order is out of balance. Money funds mainly invest in the money market. Once the financial order goes wrong, the money market will be the first area to be affected, and the money fund will be doomed because of the problems in the main investment targets.
(3) Huge redemption: refers to the sudden huge redemption of money funds. Once the money fund encounters this situation, the fund manager has to sell the fast-maturing bonds held by the fund to cope with redemption. The official channel for selling bonds is only the secondary market. The bond price in the secondary market is affected by the relationship between supply and demand. When fund managers sell bonds in the secondary market in large quantities, there are not enough buyers to take over.
Extended data:
Reduce the risk of using Yu 'ebao:
(1) If you buy an Alipay account security insurance, you can get a guarantee of 1 10,000 yuan for 2 yuan money for one year;
(2) Don't put your large deposit in Yu 'ebao, it is more suitable to save some pocket money;
(3) Develop a good habit of using mobile phones, and often use antivirus software to kill mobile phones;
(4) Don't be greedy and cheap, and crack the use of unknown WIFI to save traffic;
(5) Don't disclose your Alipay account information to the seller during online shopping;
(6) Don't log in your Alipay account in Internet cafes and other places, the QQ number will be stolen, and the Alipay account may also be stolen.
References:
Baidu encyclopedia-fund
People's Network-Yu 'ebao reduces risks