Is Yu 'ebao safe?

I can see that you are a little excited about the high income and flexibility of Yu 'ebao, but you should be worried about the safety of Yu 'ebao. Security issues can be divided into two understandings. One is to see whether the funds in the account are safe from the perspective of theft prevention, and the other is to see whether the investment is safe from the perspective of investment. Let me explain it to you from these two angles.

1. Capital security from the perspective of anti-theft

First of all, no company dares to promise that its products are absolutely safe, because technology is constantly improving and there will be loopholes that have not been discovered before. Low risk does not mean zero risk. There is also a one-in-a-million chance of an accident by plane, but we won't stop flying because of this extremely low chance, will we?

Personally, I think it is very safe, because the funds transferred from Yu 'ebao are transferred to the bank card you are bound to.

This bound bank card refers to the bank card registered with the ID information you used when registering Alipay account, which means that only your own card can be bound with Yu 'ebao and transferred into the transfer-out relationship. Mainly considering safety, very reliable!

When transferring out, some banks transfer out in real time, and most banks will have a delay for a while, but it won't be too long. My personal experience did not exceed two hours.

If it is not directly transferred to the bank card, the cash on Yu 'ebao can also be directly used to repay credit card arrears and Taobao shopping. There is no requirement for credit card repayment. You can put someone else's card into your account, and of course you can only repay it.

However, if others want to use your balance treasure to pay off their credit card debts, they also need: 1. Your account password, please press 2. Your Alipay wallet gestures to unlock, 3. Your payment SMS verification, as well as 4. If you set a transaction password, you also need your transaction password. If a strongman steals your mobile phone and has enough ability to solve these problems … then you can change your password before he cracks it! After all, under such multiple insurance, even the strongest people need time to crack it. During this time, I believe you can instruct Alipay customer service to stop the account operation, and at the same time report the loss to the mobile phone card and apply for a new card with the same number.

The average annualized rate of return is between 6% and 7%, which is not the highest. But the money inside is alive, and you can transfer it in and out at any time, which will not affect your unplanned expenditure. Especially suitable for people with few personal assets and unplanned spending.

2. Capital security from the perspective of investment

The essence of Yu 'ebao is a monetary investment fund. Let's just say. How many years have you been watching Huaxia Fund? This is also the stability of such funds, which can basically be said to be guaranteed.

The profit model of monetary investment funds is to invest funds in various fields according to a certain proportion and get returns. To put it simply, our fund holders entrust their own funds to fund investment companies for investment and gain added value. The guaranteed income announced by Yu 'ebao is 6%, which is very easy for money investment funds to achieve. Therefore, it is unlikely that Yu 'ebao will collapse. Because there are many kinds of funds, radical funds are more risky, and the publicity income is 10%. Compared with them, Tian Hong Fund behind Yu 'ebao is essentially a stable fund. Don't worry, it's safe.

As mentioned above, Huaxia Fund, by the way, as the boss of the fund industry for many years, is now threatened by Yu 'ebao. It's also easy to understand. After all, the channel publicity effect of Yu 'ebao is too strong. Look at Taobao's daily traffic. They don't have to invest in publicity, and their online shopping platform is the best advertisement.

So the balance treasure in your hand is actually a fund, Tian Hong Fund, a sound investment fund. The fund market will basically not collapse, and the fund will not easily become waste paper unless it encounters strong force majeure such as financial storm, earthquake and tsunami and war disaster.

In short, Yu 'ebao is very suitable for people who need flexible financial management, especially for young people with little personal funds but unplanned spending.