Safe. Generally speaking, Yu 'ebao replacement fund is safe, but it cannot guarantee the safety of 100%. The security of Yu 'ebao mainly includes two points. First, the principal and interest are safe. The risk of Yu 'ebao's docking with the money fund is low, but it does not mean that it will not lose money. The second is network security. Alipay has relatively strong technical strength, but network risks are everywhere.

The principal and interest are safe. Yu 'ebao is linked to the money fund, which mainly invests in fixed income targets, with low risk and stable income. However, there have been losses in the history of the money fund, and the balance treasure has never appeared in the history, but it does not mean that the risk does not exist. As a wealth management product, Yu 'ebao does not promise to guarantee funds and income.

At the same time, as a money fund that can be redeemed at any time, there is bound to be liquidity risk. If a large number of funds switch at the same time, the fund company can't handle a large number of redemptions well, and there will be liquidity risk.

Network security. As a network financial product, Alipay also has network risks, such as mobile phone intrusion, number theft, server failure or force majeure. But don't worry too much, Alipay's own security technology is still relatively strong. If the system detects risky operation, Alipay will remind you of the risk, interrupt the operation, and provide user account security insurance.

What are the conditions for replacing Yu 'ebao Fund?

The replacement of Yu 'ebao Fund needs to meet the following conditions:

1. The total assets of Yu 'ebao are 0, and there is no unused balance, so Yu 'ebao has no income;

2. There are no red envelopes such as Yu 'ebao, fund and periodicity;

3. The functions of family account, the balance treasure, and the coffers have not been opened.