product attributes of jingdong vault to evaluate the safety of a wealth management product, we must first look at what kind of product it is, such as Yu' ebao, which is just the name of the product, but it is actually a money market fund. Jingdong Xiaojinku is also just a product name. According to the official introduction, it is connected with Penghua Fund Xingxinbao Currency (pocket money) and Penghua Fund Tianlibao Currency (wealth management fund). Therefore, Jingdong Xiaojinku is actually a packaged money market fund wealth management product. Like Yu 'ebao, the current wealth management products on the Internet are basically the same. Now that we know that it is a money fund, the risk can be evaluated. The risk of a money fund is the lowest among all funds. Although it can't promise to protect the capital, it is difficult to find examples of losses.
security besides the risks of the product itself, we should also pay attention to account security. On the website of Jingdong Small Treasury, we can also buy JD.COM's million-dollar account security insurance, which is valid for only RMB one year.
Summary: Generally speaking, the security of the small vault in Jingdong is still relatively high. If you cooperate with the account security insurance, the funds will be more secure. If you are interested, go and find out.