With the popularity of the Internet and mobile phones, many people began to use mobile phones for bank financing. One of the most popular wealth management products is Yu 'ebao. With more and more users of Yu 'ebao, some people began to pay attention to whether it is safe for Yu 'ebao to buy money funds. This paper will analyze the security of the subscription of Yu 'ebao Monetary Fund from multiple angles.

1. Yu 'ebao bought a money fund.

The first thing to understand is that Yu 'ebao is not an independent financial product, but a monetary fund. Money fund is a relatively stable fund with low yield, which mainly invests in short-term, low-risk bonds and money market instruments. Compared with other types of funds, the risk of money funds is not high, which can almost be regarded as risk-free investment, and the income is relatively stable.

2. Risk diversification

Like stocks, investment funds have risks. Yu 'ebao buys a combination of multiple money funds, and each fund has corresponding regulations when investing, such as the maximum position ratio and collateral requirements, which can reduce the risk of a single fund and greatly reduce the investment risk of the entire Yu 'ebao.

3. Safety reserve

Yu 'ebao has set up various safety measures to prevent risks. On the one hand, all kinds of money funds held by Yu 'ebao are subject to scale control. Once the scale is too large, Yu 'ebao will no longer accept investment from new users to control the scale of funds. On the other hand, Yu 'ebao adopts a secondary account system to isolate users' funds, and takes corresponding preventive measures during bond redemption to avoid systemic risks caused by the impact of large redemption.

4. Income fluctuation

Whether it is Yu 'ebao or the money fund bought, the yield is fluctuating. Although the risk of money fund is low, there is still the possibility of income decline, and users of Yu 'ebao need to make choices according to their risk tolerance when investing. At the same time, we should pay attention to the income changes of Yu 'ebao according to the market situation and adjust the investment strategy reasonably.

To sum up, it is relatively safe for Yu 'ebao to buy money funds, and investors need not worry too much. However, there are certain risks in any investment, and investors need to rationally allocate assets to avoid over-reliance on a certain product. To invest in Yu 'ebao, you need to consider the balance between income and risk, and invest according to your actual situation.