It should be noted that any kind of fund in the world will have the possibility of losing money, but the possibility is big or small. Even if you buy a capital preservation fund, if the maturity income is only the principal, it is also a loss because of inflation.

The reason why Yu 'ebao has not lost money so far is because Yu 'ebao's risk coefficient is low, coupled with Ma Yun's support and strong deposit coefficient, resulting in relatively stable income and no loss. Some time ago, the reason why the central bank talked about Ant Financial was to control the risk coefficient.

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Regarding the risks that "Yuebao" may face, Alipay explained: "Monetary funds mainly invest in short-term monetary instruments, such as treasury bills, commercial bills, bank time deposit certificates, government short-term bonds, corporate bonds and other short-term securities with high security and stable returns.

Monetary fund is the lowest risk variety in the fund. Although Alipay made a promise, nothing is absolute. For example, Yu 'ebao, the "wealth management artifact", really made the Tian Hong Fund beautiful. However, the announcement of Product Zhongtuo revealed that Tian Hong Fund was still in a loss state last year, and a lot of technical and team investment in Yu 'ebao affected the company's profitability.

Yu 'ebao has been in use since its birth, and it has never lost money, but there have been two income delays. Yu 'ebao is a monetary fund, which may lose money in theory, but the probability is extremely small. In addition, Yu 'ebao must be snapped up this year, aiming to reduce the transaction volume and avoid risks.

Baidu encyclopedia-Yu' ebao