Is Yu e Bao recommended to use, and what are the disadvantages of Yu e Bao?

For different investors, it still has its value, if you are new to financial management, it is a novice who has just started, it is still recommended to use Yu Bao.

On the one hand, Yu'e Bao is safe and reliable, and on the other hand, Yu'e Bao's income is also stable, although not high. However, if you are an investment veteran, it is not recommended to use Yue Bao.

The low risk of Yu Bao is matched by its low return, after all, there are no financial products.

It will be low-risk and high-return. Therefore, if you want to get a relatively large income, or choose other high-yield financial products, just want to eat interest or don't know much about financial management, it is recommended to use Yu'e Bao.

Extended Materials. Is Yue Bao safe?

Compared with various online loan platforms, Yu'e Bao is still relatively safe. From the perspective of the connected products, Yu'e Bao was originally connected to Tianhong Currency**.

But then it was connected to Central Europe.

Bosera, Sino Analytica, Invesco, GF, Cathay Pacific and other currency** products. As a result, many users may have doubts about its security. Actually, this aspect is too much to consider.

In essence, these ** that Yu Bao has newly accessed belong to the category of currency**. Friends who know about currency know that this is a type of low-risk, and the main investment objects are treasury bonds, central bank bills, corporate bonds, etc., which have a high level of security and a very low probability of default. And in the market of the entire currency, there has never been a loss of this type.

Therefore, these products are still relatively trustworthy.

These ** have been screened by the official layer upon layer before accessing Yue Bao. So, when it comes to the background of the company, users don't need to worry too much. Yu'e Bao will not be like many P2P platforms.

Or the case of running away with money. Therefore, this product is still relatively trustworthy.

However, users need to pay attention to the fact that since the risk of Yue Bao is small, it will not be too high in terms of returns. Therefore, when users buy Yue Bao, they should not have too many expectations for the income. If you feel that the income is low, you can choose other ** products in Alipay, such as ****.

Mixed**, Exponential**.

Wait. However, the risks associated with these products are also relatively high. It is hoped that users will grasp the relationship between risk and return before purchasing.

Hello, it can be used. For a part of the flexible access funds, you can put them in Yu'e Bao to earn a certain income, and if you pursue high returns, you can choose other financial products.

Yue Bao is still more recommended to use, because it has several good advantages, the first is that its income is still very good, and then it can be stored and withdrawn, that is to say, you can use it normally when you buy things normally, so it is very convenient.

Of course, it can be used, after all, the entertainment version has been used for many years relatively well. And his company is also relatively stable and down-to-earth.

I personally use the frequency of Yu Bao is still very high, change financial management is not bad, the interest rate is much higher than the bank demand, access is flexible and convenient, I am used to transferring my salary to Yu Yu Bao, when the amount is relatively large, I will consider buying some regular financial products, or deposit in the bank for a fixed time.

Disadvantages of Yue Bao:

1. Yu Bao will have a loss because it is **. Although its returns have been stable and the risk is small, it is important to note that there is also the possibility of losses.

2. There is a security risk in Yu'e Bao, although Yu'e Bao's promotional page claims that "full compensation for stolen funds", if Yu'e Bao is stolen, it is difficult for customers to provide evidence and prove it, and it is clearly stated in the "Yu'e Bao Service Agreement" that whether it can be compensated and the specific amount depends on Alipay's own independent judgment.

3. For people who want to get big gains, the benefits of Yu Bao are not very large. The interest rate is low, Yu Bao belongs to the currency, and the currency investment is a short-term risk-free product, which leads to a very low interest rate of Yu Bao.

It is not recommended if you desire high yields. Yu Yu Bao is indeed a very good investment product in the past few years, and many people put it in as long as they have spare money. But up to now, Yu'e Bao and financial management have become farther and farther away.

It is more of a more flexible cash management tool, which can be used to transfer money to others, and to repay Huabei credit cards. As the yield is getting lower and lower, at least 25,000 yuan must be transferred, and the daily income may exceed 1 yuan, which can hardly meet the investment veterans, so it is not recommended to use Yue Bao, and it is recommended to choose **, bank deposits, bonds and other financial products, Yu Yu Bao is more suitable for investing in Xiaobai.

Yu Bao has no destructive effect on **, and it should even have a positive regulating effect.

To analyze this problem, we should look at the investment direction of Yu'e Bao.

You must know that Yue Bao is the currency**, Tianhong Zenglibao currency**.

According to the direction of currency** investment - financial instruments allowed to be invested by laws and regulations, as follows: 1. Cash; 2. Bank fixed deposits and large-amount certificates of deposit within one year (including one year); 3. Bonds with a remaining maturity of less than 397 days (including 397 days); 4. Bond repurchase with a maturity of less than one year (including one year); 5. ** bank bills with a term of less than one year (including one year); 6. Other money market instruments with good liquidity recognized by the China Securities Regulatory Commission and the People's Bank of China.

The above investment instruments are all legal and compliant money market instruments, basically short-term bonds, and even most of them are bank certificates of deposit, agreement deposits, and short-term bonds must also be AAA-rated high-credit bonds, such as treasury bonds.

Then holding bank deposits, short-term bonds cannot be harmful to the economy. Because most institutions, banks themselves hold a large number of these assets, and the currency has existed in China for more than 10 years, this type of investment direction is strictly regulated by laws and regulations, and these investment directions are very formal and legal financial instruments.

To sum up, the analysis of its investment direction shows that Yu Yu Bao, that is, the currency, cannot do any harm to the economy.

It is a normal cash management tool or a savings alternative.

Disadvantages of Yue Bao:

The overall income of Yu Bao is not what people imagine, this is just a mutual rumor on the Internet, so many friends start to invest, in fact, it is a fashionable mentality, and now the interest rate of Yu Bao is also declining, we still have to pay attention to the risk in this regard, investment needs to be rational, do not blindly follow the trend.

It is relatively easy to lead to the creation of economic bubbles.

The disadvantage is not that Yu Yu Bao is the currency**.

Yu'e Bao is actually a currency**, which has existed in China for at least ten years, and has also existed abroad for decades, and is a financial tool that replaces bank deposits. There are at least a dozen products of the same type in China, and Yue Bao is not special.

Like other types of products, the significance of Yu'e Bao is to concentrate investors' funds and use the professional knowledge of ** managers to manage them to obtain higher returns, and he mainly invests in low-risk projects such as bank certificates of deposit and bonds within one year.

For investors, currency** is a relatively low-risk investment product, which is more suitable for small and medium-sized investors in their daily financial management.

Such a product is not harmful to the economy, and what are the risks of buying some low-risk legal projects.

About the economic bubble, that is not to understand the financial market, if a large amount of money into the currency, then the supply and demand of the investment target will inevitably change, the yield of the first will change, with the change of the rate of return, there must be a large amount of funds will withdraw, this is the market.

Summary. Is Yue Bao worth using?

Kiss Yu Bao is worth using.

If you have change, you can store the extra money in Yue Bao.

10,000 yuan, how much is it a day.

There is interest every day, and the interest is calculated on a daily basis.

Kiss 10,000 yuan, a day.

Will there be a loss of capital?

Kiss This won't, kiss Yue Bao is not a financial product, and there will be no loss.

This is quite a bank deposit, with principal and interest.

So what kind of financial management is high risk and high return.

Kiss the high-risk and high-return to buy**.

Which platform is it recommended to buy it on.

Kiss MoneyPay.

Kiss This is just a suggestion, make your own final decision.

Kiss and look at yourself, don't force it.

Extended Information: Balance Barrier is a balance value-added service and current fund management service product of Ant Financial, which was launched in June 2013. Tianhong is the manager of Yue Bao.

Yu'e Bao is connected to Tianhong**'s Yu'e Bao currency**, which is characterized by easy operation, low threshold, zero handling fee, and can be used at any time. In addition to the financial management function, Yu'e Bao can also be directly used for shopping, transfer, payment and repayment, and other consumption expenses, which is a cash management tool in the mobile Internet era. Yu'e Bao remains the largest currency in China**.

On May 3, 2018, Yu'e Bao newly accessed the two currency ** products of Bosera and CEIBS** Company, "Bosera Cash Income Currency A" and "CEIBS Rolling Money Currency A".