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Is it risky to use Yu 'ebao?
There seems to be a good opportunity for Alipay users to make money recently. Careful Alipay users have found that there is an additional function called "Yuebao". It is reported that users can get some income after transferring money to "Yuebao". It's just that the yield of Yu 'ebao is dynamic. It is understood that the current 7-day annualized rate of return of "Yuebao" is 3.48%, while the annual interest rate of one-year deposits in the same period is only 3%.

In fact, the essence of "Yu 'ebao" is Tian Hong Fund's "Zenglibao" market money fund. Tian Hong fund related people talked about this model.

Relevant persons: Tian Hong Fund is the only sales organization of this project, and Alipay is our only direct sales promotion platform, which is equivalent to Tianhong Fund. We pushed our direct selling system to the front of the platform of Alipay website, and then we rented its entrance and technical services, thus citing the cooperation model.

Why did you choose to cooperate with Alipay? Does this mean that fund companies begin to expand the channels of third-party payment? Insiders of Tian Hong Fund said that choosing Alipay values the user scale of Alipay.

Insiders: We hope to see a diversified development trend in the future. There are both traditional banks and online third-party consignment agencies. For example, the advantage of third-party websites lies in the role of financial advisers, and the advantage of banks lies in the advantages of depositors. We believe that the advantages of e-commerce platforms such as Alipay and fund companies in developing direct sales are different. Alipay platform is the largest electronic payment platform in China with hundreds of millions of registered users. If the fund is directly sold on such a large platform, its platform will be wider and its platform qualification will be better.

Zhou Xiaoming, deputy general manager of Tian Hong Fund, once said, "Tian Hong Zenglibao is a money fund customized for Alipay customers, with Alipay as the only direct selling platform." According to the relevant personage of Tian Hong Fund, at present, the product will not charge the user a handling fee.

Relevant persons: Because Tian Hongzeng Libao is essentially a money fund, but it has made innovations in other aspects. The essence of a money fund is that it does not charge transaction fees, that is, it has no front-end and back-end, including the present and the future.

Although there is no handling fee for the current "Yuebao", the possibility of charging will not be ruled out in the future. Tian Hong Fund official website shows that the annual rate of management fee, custody fee and sales service fee of Zenglibao is * * * 0.63%. Since it is only sold on Alipay, and the rate is marked, it does not mean that it will not be charged in the future.

Risks and benefits coexist, so is there any risk in putting money in the "Yu 'ebao"? Alipay's explanation is like this.

Alipay: Because it is equivalent to the balance management product that has been launched, we are specially designed to facilitate customers to find it accurately and quickly. Just logged into Alipay, there is an available balance in the middle of the page, which is the balance in the account. There will be Yu 'ebao below. It's not risky. You can transfer the balance treasure at any time and output it at any time. The minimum amount of Yu 'ebao transferred to a single transaction is 1 yuan, which needs to be a positive integer and cannot have a decimal point. According to the experience of the fund industry, it is possible to obtain daily income with a high probability if you deposit in 300 yuan or above. This is just buying a fund, there is no risk.