Is Yu 'ebao risky?
Yu 'ebao is risky, but the risk is so small that it can be almost ignored. The money fund accessed by Yu 'ebao is mainly used to invest in securities such as government bonds and bank deposits. The probability of capital loss is small, but the rate of return cannot be guaranteed. At the same time, Alipay provides users with account security insurance. If the money in Yu 'ebao is stolen and cannot be recovered, the user will get compensation from Alipay. What Yu 'ebao actually purchased was the monetary fund provided by Tian Hong Fund. Yu 'ebao does have certain risks, but the possibility of risks is very small.
Risk types of Yu 'ebao
1. Investment risk: The investment scope and proportion of the Monetary Fund are strictly controlled by the regulatory authorities. In short, its investment risk is very small, but small risk does not mean no risk;
2. Liquidity risk: As the users of Yu 'ebao are mainly individual investors, the pressure of centralized redemption is less than that of other funds, but it is not zero risk. For example, the predictable double 1 1 centralized consumption period with the characteristics of e-commerce is actually a skyrocketing consumption amount, and fund managers need to respond as soon as possible. Moreover, it is unpredictable. For example, if a "running road" situation leads to centralized redemption by users, then the interest rate risk of such a large-scale money fund will be unbearable;
3. Technical risk: Because Yu 'ebao and Alipay have instant redemption and transaction functions, due to their huge number and scale of users, the data to be disposed of every day may be astronomical, and misoperation, hacker attacks, system downtime and various unforeseen disasters may bring risks to users' funds.
This article is mainly about whether Yu 'ebao will stop using relevant knowledge points in 2022, and the content is for reference only.