Although Yu 'ebao has already passed its peak period, it is now like a chicken rib.

However, Cai Ma thinks that Yu 'ebao is really a great contribution of Ma's father, because it makes many ordinary people who have never been exposed to investment and financial management get started easily.

But there are two sides to everything-it is good to get started easily, but it also makes many people downplay the necessary risk awareness when investing in financial management.

Cai Ma talked to some readers a little and found that although most people have bought Yu 'ebao, very few people really understand what Yu 'ebao is and don't know what the risks are.

if you don't know what it is, you can say that you didn't lose money by buying Yu 'ebao, simply because you are lucky this time, because your mentality is so gullible.

once you meet those financial pyramid schemes, Ponzi schemes and shell companies, it's like throwing a lamb into a wolf's den.

So, ask yourself: How do you know that Yu 'ebao will be safe?

Today, Finance Mom will use the most familiar Yu 'ebao as an example to talk about how to judge whether a wealth management product is safe before investing.

1 What is the product

What exactly did you buy

In order to make it easy for everyone to remember, many wealth management products will have a nice name.

For example, Yu 'ebao, Fuminbao, Licaitong and Coin Pass ...

Don't be confused when you see these names, because regular wealth management products will definitely indicate what this product is.

For example, as long as you swipe down a little, you can see that the body of Yu 'ebao is actually a money fund.

To be precise, Yu 'ebao corresponds to several different money funds.

before, there was another common oolong on this issue, that is, many people went to the bank to save money or buy bank wealth management, but in the end they bought insurance.

whatever the reason, I bought it wrong. In fact, as long as I pay a little attention when signing the contract, the word "insurance" will definitely be written on the contract.

what does this product invest in?

What people are most concerned about for a product may be whether it is safe or not.

What risks does a wealth management product have? The most critical factor is what this product invests in and what it makes money from.

regular wealth management products will definitely be marked, and you may need to look for them, or ask the official customer service staff and sales staff.

For example, Yu 'ebao, you can click this little question mark in the upper right corner and see a lot of information.

(In order for everyone to see clearly, Cai Ma had to use ugly green to mark it, so everyone can bear it ...)

Then maybe we can see "What is the Yu 'ebao" from "Guess Your Question", which will give a very detailed answer.

These questions are automatically recommended by Yu 'ebao according to different people. Some friends may not see this question here. In this case, you need to row to the bottom, find the online service section, ask the customer service of the robot, and get the corresponding answer.

2 risks

What are the investment risks

Nowadays, many wealth management products are sold online, so there is no need to talk to the sales staff directly.

If you talk to the wealth management salesperson face to face and ask "Is there any risk in this product", then the other person will immediately know that you are a wealth manager.

The reason is that all wealth management products are risky.

So people with a little investment experience will not ask if there is any risk, but directly consider "what is the risk of this product".

In fact, there are only a few kinds of investments that ordinary investors can contact, so when you are familiar with all kinds of investments, you will know that each kind of product has its own risks, so you can skip this step.

4

How is the risk controlled

Since all financial management has risks, do you still need to invest in financial management?

definitely.

We have talked about this logic before. Investing in financial management may not bring benefits, but without investment, money will definitely depreciate.

so between a certain depreciation and possible loss, it is definitely better to choose possible loss.

Don't be too averse to risks, because there are many wealth management products with good risk control measures.

For example, the money fund connected with Yu 'ebao is mainly used to invest in securities such as treasury bonds and bank deposits.

how to control the risks of treasury bonds and bank deposits?

national debt

national debt, as its name implies, is a bond issued by the state and endorsed by the state credit.

then, will there be problems with the national credit? Of course it will. For example, Iceland went bankrupt some time ago. Or some countries themselves are more turbulent. Therefore, if you want to buy a country's national debt, you should pay more attention to international current affairs and see how the country's economic and financial situation is.

Of course, what we generally refer to, and the national debt marked by the Monetary Fund, refers to the national debt of our country. Judging from the financial data seen at the annual NPC and CPPCC sessions and our personal experience, it is very stable.

deposit

deposit is absolutely safe in the understanding of many friends.

In fact, this is an illusion, because since the founding of our new China, banks have always given you a good impression. But in fact, there are at least two kinds of risks in bank deposits:

One is a run. For a bank run, the general practice of banks is to store a deposit reserve at a certain ratio in the central bank for a long time. As for the deposit amount, it is determined by the state. This is the origin of the "RRR reduction" (reducing the deposit reserve ratio) that everyone often hears.

one is bankruptcy. Of course, banks will also go bankrupt. For the risk of bankruptcy, the bank's approach is to invest in insurance-bank deposit insurance.

generally speaking, our country's credit+deposit reserve+deposit insurance are still very reliable.

Let's review this logical chain:

Yu 'ebao corresponds to the money fund, which invests in bank deposits and national debt, which is endorsed by national credit, and the risk of bank deposits is controlled by deposit reserve and deposit insurance, which is very safe at this stage.

So we can conclude that Yu 'ebao is safe at this stage.

Some readers will surely say: You talk so much nonsense, and finally come to a conclusion I knew long ago.

the real purpose of writing this article is not to tell you whether Yu' ebao is safe, but to tell you how to see the safety of a product when investing in financial management.

Know what it is, and know why it is. You peel off the wealth management products layer by layer, and see the underlying logic of making money and risk control. The final conclusion is completely different from asking around.

Today's Yu 'ebao has already passed its peak, and it is already cool. If you don't know the details of Yu 'ebao, then you will be confused at this time and don't know where to find a substitute for Yu 'ebao. When you know clearly what Yu 'ebao is and why it is safe, you can easily choose its substitute-

Any money fund or a fund management product behind it can be a substitute for Yu 'ebao.

For example, if you search for "money" in Alipay's fund section, you will find a long list of money funds, and Caima only intercepts some of them:

(The picture is to help you understand the content of the article, not recommended)

Money funds can also be found in WeChat's wealth management service

Besides Alipay and WeChat, there are many mobile banking apps, and you can also find money funds or money fund management services.

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Take a moment of silence for the coolness of Yu 'ebao ...

What was the first wealth management product you bought in the message area? Why did you choose this product at that time?

"

Hello, I'm Cai Ma's little assistant.

Last Friday, we exposed the data in double 11 to make money. Whoever understands it first will make money first! In the message red envelope activity, the winning message has appeared, which is the following friend:

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