Reliable. Yu 4 belongs to a new fund, which was born in the recovery stage of the stock market. Although the winning rate is higher than that of individuals, the investment risk is greater. Yu Baoyue No.4 and Yu 'ebao are services provided by subsidiaries of Ant Financial. No.4 is reliable. Yu 'ebao is a monetary fund managed by Tian Hong Fund, and Yu Baoyue No.4 corresponds to a new sales strategy of Ant Fund. Wanjiaruiyi flexibly allocates hybrid funds. They are different types of funds, and the corresponding risk expectations and annualized expected returns are different.