Is it safe to deposit 200,000 yuan in Yu’E Bao?

First of all, we must know that Yu’e Bao is not a bank, but a platform. When we deposit money into Yu’e Bao, the income is not interest but dividends, and the money in Yu’e Bao is purchased by Alibaba on behalf of funds. . Therefore, you must understand that there are definitely certain risks in securities, but as a low-yield fund, Yu'ebao's own risks are very small, so small that they can be ignored. Moreover, Alibaba operates it on your behalf, so there is basically no risk.

Secondly, let’s talk about the income of Yu’ebao. The income of Yu’ebao and bank’s time deposits are actually similar. The more advantages of Yu’ebao are that it is flexible, has the function of online banking payment, and is similar to that of banks. As convenient as a current account.

Deposit money into Yu'e Bao. As long as you take good care of your mobile phone and don't lose it, the money will be safe. If you save more than RMB 50,000 in Yu'e Bao, it is better to authenticate with your real name, which is safer.

The daily income of Yu’e Bao’s 10,000 yuan is almost one yuan. On January 30, it is 360 yuan a year. It is also flexible. You can see the income every day and can transfer it in and out at any time. Online consumption is also very convenient! From the bank, it’s only 200 yuan a year on a regular basis, and you can only withdraw it when it matures! You still have to queue up at the counter to go through the formalities, which is too cumbersome! Therefore, it is better to deposit money with Jack Ma than to put it in the bank! As long as you keep your phone and password safe, there will generally be no problems!

The interest rate on Alipay deposits is indeed higher than that of banks. But everyone ignores that Alipay's loan interest calculated as an annual interest rate is several times that of banks. This is where Jack Ma excels, attracting deposits at a slightly lower price and maximizing the benefits. This is the nature of a businessman, nothing can be done without profit. Or the bank loan period is longer than Alipay. The Alipay term is only one year. In this way, it is still cost-effective for banks, but Alipay is more convenient for depositing, withdrawing and transferring funds than banks. If Alipay's loan can be lower than that of a bank, the loan interest will also be lower than that of a bank, and the term will be longer than that of a bank. Then the bank really loses. But Jack Ma would never do that. Because Alipay is a tool for him to apologize. Others sell products, but he sells a platform. As long as you are a businessman, you will maximize your profits!