Nowadays, when mobile payment is more developed, many people will easily store the money that cannot be used temporarily in the currency of Yu'e Bao through Alipay in addition to bank deposits, so as to better increase the value of short-term idle money and live money. Yu'e Bao has extremely high liquidity and is also very convenient, which is convenient for temporary use of money and will not delay money generation. Based on this, Yu'e Bao once attracted a lot of funds.However, as the rigid payment is broken, some people also begin to worry about the safety of Yue Bao, and they don't know if the money will be eaten if they store it in Yu Bao. To this, insiders give the answer.
Is it safe to keep money in Yue Bao?
When people evaluate the risk level of a fund management method, they are often divided into five levels: R1 and R5, of which the risk level of Yu'e Bao is only R1, which is low risk. This means that Yue Bao is not completely risk-free, which means that it is not principal-protected.
However, the risk level of Yue Bao is very low, and most people can afford the corresponding risk level. In addition, Yu Bao has not lost money before.
What needs to be pointed out is that the liquidity of Yu Yu Bao is very good, if you really find that it is not good one day, it is more convenient to withdraw funds in time and reduce capital losses, unlike some banks with a fixed term of financial management, it is obviously not good, but because it has not expired, you can only watch the funds continue to lose money and cannot be withdrawn.
On the whole, although Yu'e Bao does not promise to guarantee the safety of the principal, it is still a very worthy choice for most people to manage their funds.
Some concerns
Although Yue Bao is a very cost-effective way to manage funds, it does not mean that we have to store a large amount of money in Yue Bao. This is because Yue Bao also has its own limitations.
First, the profitability of Yu'e Bao can only be regarded as an intermediate level, and it is difficult to increase the value of funds. At present, the yield of many currencies in Yu'e Bao is around 2%, which can be compared with the interest rate of short- and medium-term time deposits, but it is not comparable to the long-term time deposit interest rate of some small and medium-sized banks, and it is difficult to maintain the purchasing power of funds under inflation.
Second, the daily rapid arrival limit of Yue Bao is 10,000 yuan, which has two disadvantages.
First, if too many funds are stored in it, and then because of the urgency of the need to use a large amount of spare money urgently, only 10,000 yuan can be received in a single day, and the remaining funds may take a while to arrive.
Second, 10,000 yuan can already cover the upper limit of many people's daily expenses. If a person's consumption habits are not good, there may be some impulsive large consumption, such as the desire to consume, want to buy a certain ** mobile phone or computer, etc., if the money is in the Yue Bao, it can be very convenient to provide convenience for a person's large impulsive consumption, but it is difficult to give obstacles. Therefore, it is not conducive to helping people save.
Therefore, on the whole, although Yue Bao does not promise to protect the principal, it is generally safer to store money in Yue Bao. It's just that even so, it is not recommended to use Yue Bao as the main way to manage funds, and it is good to use it to take care of a small amount of short-term spare money, isn't it?
The growth of Xiaobai's financial management