First of all, it is clear that Yu Bao Li is a cash management product jointly created by online merchant bank and Tian Hong Fund, mainly for individuals, small and micro enterprises and small and micro operators. Moreover, this wealth management product has the characteristics of low risk and high liquidity, so it is very safe to put money in Yulibao.

In addition, Yu belongs to money fund financial products, which are relatively low-risk financial products. It is understood that since Yu went online, there has been no case of eating principal, but the income will fluctuate.

In fact, it is a fund. Profits and risks coexist. Will I eat the headmaster? The fund is in the stock market. During the economic recession, some original fund organizations developed another fund and operated it with the help of commercial online banking.

Developed funds have not made any money these years, and people have lost confidence in them. Will I eat the headmaster? Need new funds and projects to make a profit.

At present, it is a stable profit and financing in the form of interest. On the surface, there is no risk. What you get is interest, which is not directly related to the fund. However, shareholders also need to make profits through the operation of funds to ensure the payment of interest and whether they will eat the principal.

Alipay has its own balance treasure, similar in nature to Yu Bao Li. It can be opened as long as it agrees. Will I eat the principal after earning interest?

In the absence of a sharp decline in the stock market, a fund of 654.38+10,000 yuan may earn 5,000 yuan, which can support interest of more than 4,000 yuan. If you encounter stock market risks, the interest is not guaranteed! High interest rates are bound to have high risks.

Extended data:

The difference between Yu Baoli and Yu 'ebao

1, the difference between Yu Baoli and Yu 'ebao is that the interest is different.

Both Yu 'ebao and Yu Baoli are investment money funds, which pay interest on a daily basis. The daily income of 10,000 yuan is about 1. 1 yuan, but the income of Yu Bao Li is slightly higher than that of Yu 'ebao.

2. The difference between Yu Baoli and Yu 'ebao is that the withdrawal amount is different.

Yu 'ebao withdraws a free amount of only 20,000 yuan from the same entity for life (that is, multiple Alipay accounts registered with the same ID number have a free amount of only 20,000 yuan). If the free quota is exceeded, a handling fee of 0. 1% will be charged. I don't charge cash withdrawal fees. If you want to withdraw cash for free, you can transfer the money in Yu 'ebao to the balance, and then transfer it from the balance to Yu Bao Li for withdrawal.

3. The difference between Yu Baoli and Yu 'ebao lies in the different convenience.

Yu 'ebao can be paid directly online, and you can choose Yu 'ebao for shopping payment. The balance cannot be directly used for online shopping payment, so you need to withdraw cash first or transfer the balance.

4. The difference between Yu Baoli and Yu 'ebao lies in the different customer groups.

Yu 'ebao is aimed at ordinary users, registering Alipay accounts and owning Yu 'ebao. The rest is jointly built by online merchant banks and funds for small and micro enterprises or operators. To put it simply, I am oriented to businesses; There is a certain threshold for the application.

5. The biggest difference between Yu Baoli and Yu 'ebao is different.

The deposit limit of Yu 'ebao is adjusted from 6,543,800 yuan to 200,000 yuan. From August, 2065.438+2007, the deposit limit of Yu 'ebao was adjusted to 6,543.8+100,000 yuan again. The personal deposit limit in is 6,543,800 yuan.

The essence of Yu Bao Li, like Yu 'ebao, belongs to money fund wealth management products. Money funds are different from bank deposits, and all financial management has certain risks. The money fund mainly invests in bank deposits, certificates of deposit, government bonds and other valuable bonds, and its risk is relatively low, but it has not suffered losses so far.