Yu 'ebao has never lost money, because Yu 'ebao is mainly a docked money fund, which mainly invests in short-term government bonds, commercial bills, bank acceptance bills, large negotiable certificates of deposit, repurchase agreements and short-term bonds issued by government agencies. Therefore, its risk is very small, the fluctuation of funds is relatively small, and the income is relatively stable without loss.
However, it should be noted that although the past earnings of Yu 'ebao are all positive, and there has never been a loss, it does not mean that Yu 'ebao has guaranteed capital and interest. In fact, the seven-day annualized rate of return of Yu 'ebao is changing every day, which is risky. There is an essential difference between Yu 'ebao and bank deposits.
The principal of Yu 'ebao may lose money, but it is unlikely to lose money. If it is money in daily life, it is actually better to put it in the balance treasure, which can facilitate expenses and gain income, but if there are more funds, it is not appropriate to put it in the balance treasure.
At present, the income of Yu 'ebao is not very high. If it is money that has not been used for a long time, there are more funds. In fact, choosing low-risk regular wealth management products is more profitable and cost-effective, but you must choose good wealth management when choosing, otherwise there will be losses.