What is Yinglibao? Is Yinglibao risky?
Generally speaking, Yu 'ebao is a surplus asset management product similar to Alipay, which belongs to the network asset management product.
Is Yinglibao risky?
Yu 'ebao is similar to Yu 'ebao, which can be said to be an innovation in the financial industry. The income obtained by Yu 'ebao is actually the income obtained by purchasing fund products.
Professionally, the income of Yu 'ebao is different from that of bank demand deposits. Banks store interest, and easy baby is the income of funds. In terms of security risks, buying funds is more risky than bank deposits. In other words, Yu 'ebao is an asset management investment with risks. Under normal circumstances, the income of Yu 'ebao is much higher than the bank's interest rate, but experts also believe that there is no guarantee that there is no risk.
At present, Baidu, Ant, JD.COM, Tencent and so on. Similar online fund asset management products have been launched. Due to the guarantee of technology giants and insurance companies, there are no risk events at present. Facts have proved that the risks of Yu 'ebao, Baidu Asset Management and Jiashibao are very low. As long as we know that Jiashibao is basically stable and the risk is extremely low, we can't say that there is no risk at all.
In addition, Guang Yongming's income guarantee provides the lowest guaranteed interest rate and promises not to cash in, so the value of Libao account will not increase.
Netease Asset Management announced Easy Baby yesterday, and it is estimated that the annual yield will reach 6.6%, which is much more valuable than the current Alipay balance of 5.3%. However, Easy Baby's asset management products can be withdrawn free of charge in June 1 and June 65438+6, and the funds for asset management tea products at other times require handling fees.