1. So it is a monetary fund, belonging to low-risk investment varieties. It invests in bank deposits, certificates of deposit and government bonds. Generally, such products will not lose money, but money funds are not deposits. Therefore, the financial risk of Yu is not great, but the investment still needs to be cautious. So the money fund launched by the online merchant bank is mainly for merchants.
2. Merchants are highly mobile, mainly working capital. Therefore, for Yu 'ebao with high liquidity and insufficient liquidity, they chose Bao Li. The cash withdrawal from Yu 'ebao T+0 is only 6.5438+0 million yuan. For business operators, 6,543,800 yuan is obviously too little. What should I do? Choose from. Compared with Yu 'ebao, Yu Bao Li's biggest advantage is that T+0 withdraws 654.38+0 million. For ordinary small and micro enterprises, 654.38+0 million working capital is enough. Therefore, small consumption funds can be deposited in Yu 'ebao, and large operating funds can be deposited in Yu 'Bao Li.
3. Although Yu Bao Li is relatively safe, it is also a kind of fund management, and everyone still knows clearly. Especially at this stage, many new users of Alipay Finance are closed, so I suggest you deposit carefully.
1. Yu is a money fund wealth management product jointly launched by online merchant bank and Yunshangbao. Yu 'ebao was originally a monetary fund under the Tian Hong Fund. After the 20 18 split upgrade, there are 14 money funds. From the product point of view, there is basically no risk in depositing money into Yu Baoli and Yu 'ebao. Money funds are also called "class deposits", and the principal can be regarded as "class deposits". However, there are two special circumstances that will bring risks: the first is the risk of bank run caused by large-scale centralized redemption faced by the money fund, which will eventually lead to the loss of the money fund; The second is the hidden danger of network security. In some electronic channels, Yu Baoli and Yu 'ebao may be stolen.
2. When the yield of money fund drops sharply, investors can apply for early redemption. When the decline is particularly serious or other vicious emergencies occur, it will lead to large-scale centralized redemption. In order to realize redemption, fund managers will sell ahead of time, which may lead to the failure to achieve the expected income and even serious loss of principal. This kind of situation does exist in theory, but in order to make some restrictions, the regulatory authorities adjusted the T+0 quick redemption limit of Yu Bao Li, Yu 'ebao and other monetary funds to within 1 10,000 yuan, also to prevent large-scale redemption.