When you go to the bank to deposit money, why do some people say that it is not safe to keep money i

This is normal, and the bank staff said this just to convince customers that bank deposits are the safest way to manage their finances, and not to deposit Yue Bao anymore. It's like two vegetable sellers in a bazaar, and customers don't praise each other about how good their vegetables are, but desperately denigrate them so that customers can buy their own vegetables.

The annualized rate of return of Yu'e Bao has been falling this year in the past seven days! Fall! Fall!

Are the products of Yue Bao safe or not? Yu'e Bao is a wealth management product, but it is a monetary wealth management product, the annualized rate of return is very low, it is currently lower than the one-year fixed deposit interest rate of some banks, and today's annualized rate of return in the past seven days is, low yield must be accompanied by low risk. Although the income of Yue Bao has fallen from 4% to 2%, there is no example of loss of principal.

A bank deposit is not necessarily risk-free. Deposits are the safest and most stable of all financial management methods, and interest changes will not be as frequent as Yu'e Bao. However, bank deposits will have employee operation risks, and the risk of bank failure will cause the loss of customer deposits.

From here, it can be seen that financial risks are everywhere, and there is no financial management method to ensure the safety of 100% funds.

If the funds are not much, less than 1 million, it is recommended to save Yue Bao. After all, the annualized rate of return of Yu'e Bao is higher than that of most banks' fixed deposits within one year, and there are not many bank fixed deposits with higher interest rates than this one.

The deposit bank cannot be withdrawn if it does not expire, and the interest must be calculated according to the current account if it is withdrawn in advance, and there is no deposit period in the deposit treasure.

The choice of financial management method still depends on the customer's own choice. Customers who are willing to deposit in the bank think that the bank is safe and the interest rate is stable, and customers who are willing to deposit Yue Bao have taken a fancy to the fact that the interest rate is higher than that of bank deposits, and the liquidity is stronger than that of bank deposits.

Because banks are more insured, Yue Bao is a software on the network after all, and there is a risk of theft, once stolen, all the money on Yu Bao will disappear.

After all, Yu'e Bao is not a state, it belongs to Alibaba, if there is a problem one day, there is no guarantee at all, of course it is not safe, or it is more reliable to put money in the bank.

Will Yue Bao eat the principal?

Many people like to put money in Yuebao, because it can not only generate income, but also be more convenient to use. However, some people may worry about whether the money will be eaten if they are placed in Yue Bao, and they will not even be able to get the principal back, do they need to have this kind of worry?

First of all, it needs to be clarified that we put the money in Yue Bao, in fact, we used this money to buy a currency**, which was used for investment, not really put it in Yue Bao. At present, there are about 20 currencies in Yu'e Bao**, and Yu'e Bao is equivalent to the sales channel of these **.

Therefore, the money we transferred into Yue Bao actually flowed into the pockets of these ** issuing companies. The money raised by the company from investors through issuance is subject to regulatory oversight and is unlikely to be squandered casually. And even if the ** company goes bankrupt, the money cannot be used.

Secondly, it is to see if you will lose money if you put it in Yue Bao. Make any investment, as long as it does not promise to protect the principal, there is a possibility of loss, and putting money in Yue Bao is no exception, because the currency ** is an investment product that does not promise to protect the capital.

However, although the currency ** does not promise to protect the principal, the possibility of loss is very low, and under normal circumstances, it can be said that there will be basically no loss, so the probability of loss of principal is very low.

All in all, if the money is placed in Yue Bao, although there is no guarantee that the principal will not be damaged, the possibility of losing the principal is still relatively low.

So, why do some people say don't put too much money in Yue Bao?

Why don't you put too much money in Yue Bao?

In Yuebao, no matter how much money is put or how little money is put in, security is not the main consideration, and some people put 200 million in Yuebao, and they are not worried about security. The following two aspects may be considered in the main way.

One is whether it is cost-effective or not. Although putting money in Yu'e Bao can generate income, this income is not high, and it is even worse than some bank deposits. If you put too much money in Yue Bao from the perspective of investment and financial management, it is obvious that you can't make full use of the funds to create more income, which is not cost-effective.

In fact, Yu Yu Bao is more suitable as a kind of current or short-term financial management, because it has better liquidity, can be taken at any time, and has a relatively high security, so you don't have to worry about the inconvenience of withdrawing money because of losses when you need to withdraw it. But if it is to be regarded as medium and long-term financial management, its income is a little low.

The other is that although it is convenient to put money in Yuebao, there are also some limitations. For example, although we can pay directly with the money in Yue Bao, the maximum daily limit cannot exceed 10,000 yuan. If you want to transfer the money in Yue Bao, the maximum amount that can be quickly received on the same day cannot exceed 10,000 yuan.

Therefore, if you put too much money in Yue Bao, you will not be able to withdraw it when you need to take out the money quickly in an emergency.

In fact, it is not possible to put as much money as you want in Yu'e Bao, because it has a maximum limit on individuals.

So far, Yu'e Bao has a high reputation and good security, and it is safe to store money in it.

If you put all the deposits in Yue Bao, it is actually very safe. Moreover, the funds transferred to Yu'e Bao are also guaranteed by the security of payment, and users are transferring funds to Yu'e Bao, which is to purchase corresponding financial products from these ** companies。The Yu Bao is composed of Alibaba and Tianhong**, two companies holding investment, and Tianhong** is the largest currency ** company in China.

And the biggest use of this currency is to invest in treasury bonds, bank deposits and other high-security, and relatively stable returns**. <>

The product currency is also one of the products. Theoretically, there is a phenomenon of loss. But historically, the returns are not only stable, but also the risks are minimal.

And as long as the country's development is stable enough and Alibaba Group is operating normally, the money in Yu'e Bao is completely reliable and safe and there is no need to worry. At the same time, the amount of money stored in Yue Bao is relatively large, so the profit will be more. <>

Yue Bao will be automatically transferred to Yue Bao and the deposit will be put into Yue Bao at the same time, and it can also be used and withdrawn at any time. And the funds transferred to Yu'e Bao will generally be determined by the ** company from the second working day, and the income will be calculated on the existing share after the share is determined. And the balance is transferred to Yue Bao, in fact, there is also a function of automatic transfer, but if you don't want to use it, you can also turn it off.

Obtain income, but there is actually a certain upper limit of Yu'e Bao, about 100,000 yuan, if you want to continue to invest, then you can change the way of investment. Therefore, it can also be seen that Yu'e Bao is also a very safe and reliable financial management platform in Alipay, although there are restrictions on purchases, but the deposit can also be reaped by putting it into the enterprise. And it can also achieve the effect of saving money, so choosing the Yue Bao in Alipay to obtain income is actually a double win.

Safe. Although the essence of Yu'e Bao is a kind of currency**, the safety of Yu'e Bao is still guaranteed with the efforts of Alipay. As mentioned earlier, the **manager of Yu'e Bao is Tianhong**, and Tianhong** was established as early as 2004, and cooperated with Alipay to manage Yu'e Bao's funds in 2013.

This year, Yu'e Bao exceeded one trillion yuan and reached one trillion yuan, which is directly a milestone event. Therefore, the money put into Yu'e Bao will only lose money if Alipay and Tianhong ** declare bankruptcy and no one is willing to take over, and according to the speed of Alipay's development in recent years, the risk of money in Yu'e Bao is still relatively low.

It's actually not very safe, because it's a third-party software after all, and it's very risky to invest your entire net worth in.

Insecure. If this company suddenly goes bankrupt, all your money will be gone, and there is no point in pursuing it.

Very safe. Because Alipay is a particularly secure software with very strong protection, you don't need to worry.

It's all the same, users deposit money into Yue Bao and get interest. Yu Yu Bao also deposited a large part of the money in the bank. Just as the interest rate on the deposit of large users of the bank is higher than that of small users, Yu Yu Bao earns the difference in the middle.

Yue Bao 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 Yuebao 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 consumer payments, which is a cash management tool in the mobile Internet era. At present, Yu'e Bao is still the largest currency in China**.

Yu'e Bao is a cooperative platform of Alipay, and the capital risk is borne by Alipay, but if you say which one is safe, it must be a bank card, because the bank manages your funds, and there is a management fee of 20 yuan per year.

It is safe to deposit it into a bank card that is not linked to a mobile phone.

It's all safe, I put Yue Bao, if the money is missing, 100% full claim. Moreover, Yu Bao and Rainbow** are cooperative, and now the handicap is very large, with tens of billions. I have 100,000 in it, and I can reverse more than 300 in a month, and the interest rate and ** are a truth, and the rise and fall are not large.

No such thing as absolute security! Whether it is a card or an Alipay account (including Yue Bao), it may be stolen if you don't manage it well!Keep the card password by yourself, and so is Alipay. Yue Bao is convenient and profitable.