The first thing to understand is that Yu 'ebao has many types of funds, from money funds to bond funds and stock funds. Although money funds are relatively safe, other types of funds are more risky. Therefore, when choosing a fund, you should choose according to your risk tolerance. Generally speaking, the risk of funds with high annualized rate of return is relatively high, and the risk of funds with low rate of return is relatively low. In addition, when choosing a fund, you can also refer to the performance and experience of the fund manager, the size of the fund and other factors.
Secondly, we should understand that Yu 'ebao is not a bank deposit and there is no bank deposit insurance. Therefore, the fund in Yu 'ebao is essentially a risky investment. Although the funds managed by Yu 'ebao are relatively small in scale and risk, there are still price fluctuations and liquidity problems. In the case of poor market environment or problems in capital operation, the income of Yu 'ebao will also be affected. Therefore, investors need to be psychologically prepared for possible risks while looking at the benefits rationally.
It should also be noted that Yu 'ebao is only an investment method, not a financial management method. Yu 'ebao does not have a comprehensive understanding of personal financial situation, nor can it conduct customized investment management for personal risk tolerance. Therefore, investors should fully understand their financial situation and consider their own time and resource constraints to make their own investment plans.
To sum up, the security of the selected fund in Yu 'ebao is a relative problem. When choosing a fund, you need to choose according to your risk tolerance, and you can't blindly pursue high returns. It should also be noted that Yu 'ebao is not a bank deposit and has certain investment risks. Investors should treat the income rationally, have sufficient knowledge of tax and securities laws and regulations, and at the same time do a good job in evaluating the financial situation and making investment plans.