Negative income is entirely possible, don't be fooled by Taobao's propaganda.

In fact, they only invest in government bonds, financial bonds, central bank bills, bond repurchase and interbank lending. These are also risky.

For example, if American cities go bankrupt, bonds will be abolished; Another example is the overnight lending with Lehman Brothers, which went bankrupt. So these are all negative returns.

The following is a description of Yu 'ebao's own risks:

Yu 'ebao is a service launched by Alipay for individual users to pay by balance. Transferring funds to Yu 'ebao means buying corresponding wealth management products from fund companies and other institutions. Yu 'ebao supported Tian Hong Fund's "Zenglibao" monetary fund in the first phase. Monetary funds are mainly used to invest in securities with high security and stable income, such as national debt and bank deposits. In 20 12 years, the 7-day annualized rate of return of domestic monetary funds was around 3.8% on average. Generally speaking, money fund, as a kind of fund product, has the possibility of loss in theory, but from the historical data, the risk of stable income is minimal. Welcome users to experience after evaluation. During the experience, they can also operate real-time transfer at any time, and there will be no handling fee during the operation.