Yu 'ebao is a monetary fund, which does not guarantee the principal. Everyone will put a certain amount of money in Yu 'ebao more or less. On the one hand, it may be more flexible, on the other hand, the rate of return is good, which is much higher than the bank's deposit interest rate. Yu 'ebao is actually a money fund, which is a kind of fund issued by fund companies. When you put a certain amount of money in Yu 'ebao, it means that you have bought fund shares issued by a fund company, and then the fund company has invested all the funds in these fund shares in money market instruments.