Is it safe to deposit more than 300,000 yuan in Yu 'ebao?

First, whether it is safe depends on the root cause, whether it is a scam or an investment.

Now many friends around us are using Yu 'ebao, enjoying an annualized income of 4%-5%, which is slightly higher than the interest on bank time deposits. In fact, Yu 'ebao has been launched for many years and has stood the test of time. Yu 'ebao was launched on June 20 13, which is a balance appreciation service launched by Alipay. Transferring money to Yu 'ebao is actually buying a money fund named "Yu 'ebao" provided by Tian Hong Fund, and you can get a certain income. One of the characteristics of this kind of money fund is its simple operation, low threshold, zero handling fee and ready use. Starting from one yuan, the current annualized rate of return is above 4%, which is higher than the general bank deposit interest.

Whether Yu 'ebao is safe or not, let's first see if it is a scam: at present, many big scams are called Ponzi schemes, and one of the characteristics of Ponzi schemes is that the yield is much higher than market expectations. Is Yu 'ebao the same? The usual interest rate is 3: 00, and the income of various wealth management products is above 4: 00, so the income of Yu 'ebao belongs to the normal range.

In addition, another feature of Ponzi scheme is to attract enough investors' investment, which is similar to Yu 'ebao at first glance. However, Ponzi scheme is pyramid-shaped, and pyramid selling also comes from Ponzi scheme, so it is offline, but is Yu 'ebao offline? If you introduce other friends to use Yu 'ebao, will it give you a piece of the action? Obviously not. Therefore, from this perspective, Yu 'ebao is still a relatively reliable and formal investment method.

Second, whether it is safe or not depends on the payment process.

Let's take a look at the payment process of Yu 'ebao. First of all, you need to log in the account password, enter Alipay, and then you need to pay the password when you actually pay. Some users also need SMS. Users who log in with different phones and tablets will know that different phones also need your fingerprints. If you don't log in with an ordinary mobile phone model, you will be prompted by SMS. There are even a series of security measures such as facial recognition security measures to make the transfer-in and transfer-out payment of Yu 'ebao safer.

Third, see if the platform is safe.

As we all know, Yu 'ebao is a service of Alipay, which belongs to Alibaba. Is this platform still not at ease? Yu 'ebao is basically a monetary fund, and the security of the monetary fund is the highest among all funds. Yu 'ebao is not a bank, but a platform. We put the money into Yu 'ebao, and the income is not interest but dividends. The money in Yu 'ebao was bought by Alibaba on behalf of the fund. Generally speaking, from the perspective of risk, stocks are larger than funds, and bank deposits have the lowest risk, but banks will also go bankrupt. Of course, bank bankruptcy can get compensation, up to 500 thousand. Although the fund has certain risks, as a low-income fund, the risk of Yu 'ebao itself is very small and can be ignored. And there is Alibaba to operate, so it is still relatively reassuring.

Judging from the usage of users, some users even transferred more than 654.38+0 million in Yu 'ebao. So from this perspective, everyone is still very reassured about Yu 'ebao. Of course, starting from 0: 00 on May 27 this year, now Yu 'ebao only supports 250,000 deposits at most, which also controls the risk to some extent. In view of the subject's situation, 300,000 yuan was put into Yu 'ebao, and now it may be divided into two accounts. Generally speaking, there is no absolutely safe product in this world. As far as the current situation is concerned, Alipay's balance treasure is still very safe. As long as you keep your password and mobile phone well, I believe you can still use it with confidence.

Anyway, I put more than one million. When there is no quota, put it in, and it is similar in online merchant banks. Because there are all retail houses here and several hot pot restaurants, unfamiliar industries don't want to invest. Just keep it in Yu 'ebao.

Finally, there is another one, Ma Yun dares to pay compensation, which other banks and platforms do not do. So please feel free to use it.

Safe! But this kind of security is relative, such as saving money or buying government bonds, which is definitely safer.

Security can be divided into two parts: one is platform risk; Second, the income risk.

To invest in P2P financial management, you should choose a big platform. Because the large platform has sufficient operating funds and relatively strict supervision, it is not easy to close down or run away. The same is true for purchasing other wealth management products, including money funds such as Yu 'ebao.

The sales organizations of Yu 'ebao are Alipay and online merchant bank, among which Tianhong Yu 'ebao money market fund is exclusively sold by Alipay. The upgraded Yu 'ebao is sold by online merchant bank (30% owned by Ant Financial), including Bosera cash income currency A of Bosera Fund Company and Central Europe Qian Bao A of China Europe Fund Company.

Alipay and online merchant bank are trustworthy enterprises, so we don't have to worry too much about platform risks, which can be classified as "security".

In addition, Articles 3 and 4 of the Interim Provisions on the Management of Money Market Funds strictly stipulate the scope of investment targets, which can be invested or not.

In short, it is safe to deposit money in Yu 'ebao, because it is connected with three money funds, which have low risk and few losses. For example, as far as I know, on June 8, 2006, TEDA ABN Amro Monetary Fund earned -0.2566 yuan per 10,000 funds, but it returned to positive value the next day.

However, investment mainly pursues income, not only from the perspective of security, but also not from the balance treasure, but from the bank or buying government bonds. Simply buying Yu 'ebao cannot offset inflation, and assets will depreciate in inflation. Therefore, it is not recommended to invest most of the assets in money funds such as Yu 'ebao.

Investment can not put eggs in one basket, not only to spread risks, but also to improve returns. In today's society, everyone should learn to manage money, and this kind of financial management is not single, but should be diverse, such as keeping money in the bank at the same time, buying insurance, managing money regularly, investing in different types of funds, investing in stocks and so on.

First of all, I said Yu 'ebao is safe. If you buy insurance in Alipay's account insurance, the maximum compensation is 1 10,000, so Ma Dad is actually worried about your money. Therefore, Ma Yun stressed that you must manage your Alipay.

Now, because of the quota problem, because of the problem of goods reserve, and because other funds can be offset by the wealth of ants, Father Ma hopes that everyone can manage money and buy other financial products. Don't take it out if it's not urgent. If you take it out, you can't put it back. If you still want to buy, you don't have to buy Yu 'ebao, but you can buy Yu 'Bao Li. This online merchant bank is also owned by Ma Yun, and its income is higher than that of Yu 'ebao. Then there are other money funds in ant wealth, which are also higher than Yu 'ebao. It will be returned to Yu 'ebao when it is redeemed.

Then I also emphasize that when you deposit so much money in Yu 'ebao, you must take care of your Alipay and don't let Xiong Haizi use it. After all, you save money to make money, not to spend money.

According to Alipay's answer

Investment risk:

Yu 'ebao is a fund payment and information display service for Alipay users. We bought the money fund of the fund company through Yu 'ebao. Monetary funds are mainly used to invest in securities such as government bonds and bank deposits. Generally speaking, as a kind of fund product, money fund has the possibility of loss in theory, but from the historical data, the risk is low and the possibility of loss of principal is low.

Security risks:

Yu 'ebao's fund has been secured by Alipay. If the Alipay account is stolen after review, Yu 'ebao's funds cannot be recovered, and Alipay will make compensation.

Personally, I think nothing is absolutely safe, and it is easy to be stolen at home, only relatively safe.

However, Yu 'ebao's income is higher than that of banks. I can really see it.

Chief Investment Officer Commentator Menning:

The first conclusion is that it is very safe to put 300,000 yuan in Yu 'ebao.

Of course, safety does not mean that there is no risk at all, just a small risk. The balance treasure of money has three risks, one is loss, the other is that the balance treasure runs away, and the third is that the number is stolen. All three risks may occur, but the probability of occurrence is close to zero.

The first is the risk of loss. Yu 'ebao is a money fund that invests in the interbank lending market and short-term bills. Under normal circumstances, the risks in these two markets are very small, and there is almost no possibility of loss for the money fund. But if the money fund needs to sell bonds in case of a run, it may lose money. However, the scale of Yu 'ebao has reached trillions, and unless tens of millions of people concentrate on large cash withdrawals, it is very safe. However, this loss is only negative in the day, and the loss of 0. 1% is difficult and can be ignored.

The second is the risk of Yu' ebao running. Let's assume that after Yu 'ebao received everyone's money, he didn't buy a money fund, but ran away with the money, so everyone's money was wasted. This routine is often seen in P2P, but Yu 'ebao is impossible. Alipay is a formal financial product, and the flow of funds is regulated, so it is impossible to misappropriate it, otherwise the CBRC can close down. So you can rest assured of this.

The last risk is the most likely to be encountered. Hacking can be divided into two situations, one is that someone else uses your mobile phone to steal your Alipay transfer payment, and the other is that someone else directly steals Alipay account. The second one is difficult, because you need to brush your face when logging in to Alipay on another mobile phone. Even twin brothers don't brush their faces, so mobile phones can often be stolen if they are lost. But in fact, the security of mobile phones is also very high. No one else can access the mobile phone system without fingerprints or passwords. Alipay also needs to enter a password or fingerprint. As long as these passwords are not leaked, Alipay is still safe.

Therefore, as long as the password information is not leaked, it is still safe to deposit money in Yu 'ebao.

There are generally three ways to store Yu 'ebao: one is to leave it standing still and use it when it is fixed. The interest is close to 2%, which is much higher than the bank interest. Very safe! Second, the national local bank deposits on Yu 'ebao, with interest of around 4.5%. It is best to have the patience to find one above 4.8. The state also supports that any bank deposit within 500,000 yuan is safe! If it is1100,000, it is best to put it in two local banks of Yu 'ebao, each with 500,000, which is the safest. This is the national guarantee. Of course, if you deposit millions, it is recommended to deposit them directly in the well-known banks in Yu 'ebao, such as China Merchants Bank, Online Merchant Bank, Bank of Ningbo and Zheshang Bank. This can not only guarantee the interest of 4 points, but also be safe! The third is the fund to buy Yu 'ebao, which is related to the stock market risk and the international economy. Large funds and capital preservation funds are relatively safe, but the income is relatively average. Some funds are extreme, mainly investing in technology stocks, and the risks still exist. It is normal to lose 5%! Generally speaking, Yu 'ebao is very safe, and Alipay implements a package compensation system for all accounts. However, buying a fund is a lose-lose situation!

At present, except for Tian Hong Yu 'ebao, it can only deposit 654.38+million yuan, and other Yu 'ebao monetary funds such as Bosera and CEIBS can be deposited. As for the safety issue, it should refer to whether it will lose money.

Because there is no risk except for bank deposits, all other investment and wealth management products are not guaranteed, and there is a possibility of loss, including Yu 'ebao.

However, Jin wants to tell you that the risk of money fund loss is very small, so there is basically no need to worry. The money fund docked by Yu 'ebao is safer and will not lose money. The subject can safely deposit the money in Yu 'ebao.

1. What is a money fund? Monetary funds mainly invest in short-term monetary instruments such as treasury bonds, central bank bills, bank time deposit certificates, government short-term bonds, corporate bonds, interbank deposits and other short-term securities by gathering idle social funds, which belongs to low-risk financial management.

Monetary fund is a floating income product. If you want to get a more accurate interest rate, you can refer to the seven-day annualized rate, because the interest of the money fund is calculated and announced according to the seven-day annualized rate, which changes slightly every day.

2. Why won't Yu 'ebao Monetary Fund lose money? Saving money in Yu 'ebao is equivalent to buying a money fund and enjoying the investment income of the money fund. Simply put, Yu 'ebao is the sales platform of the money fund.

The difference between Yu 'ebao and ordinary money funds is that ordinary money funds can only be redeemed after purchase and have no other use. Users can transfer funds to Yu 'ebao, which can not only gain income, but also pay for consumption.

The main reason why the money fund will not lose money is that if the money lost by the user is borne by the fund company, there will be basically no loss, and Ma Yun's father will not let the user lose money. Otherwise, how can Alipay attract users?

According to statistics, the probability of a single-day money market fund principal loss is very small (0.06 1 17%). If you hold it for a week or a month, the probability of principal loss is close to zero. In the history of our country, there has never been a money fund with a negative annualized rate of return for seven days.

Money funds may lose money, and there have been cases of loss in history, but the probability of loss is close to zero, and it is even more impossible for a giant money fund like Yu 'ebao to lose money. Of course, if the financial crisis comes and banks fail, Yu 'ebao will be more likely to lose money.

All my money is in it, including Yu 'ebao and regular and fund. I feel very safe!