First of all, the platform of Minsheng Bank is safe; Secondly, Minsheng Bank Ruyibao is connected with the money fund, and the security of the money fund is relatively high; Although there are risks, historically, money funds belong to capital preservation products.
Ruyibao of Minsheng Bank is a current wealth management product, which is connected with 10 money funds: Minsheng Canada Bank cash treasure Money Market Fund, Harvest Live Wallet Money Fund E Share and Debon Ruyi Money Market Fund.
The limit of quick cash withdrawal from monetary fund to bank card is 6.5438+0 million, and there is no limit for ordinary cash withdrawal; Flexible access, low initial purchase amount, 1 yuan can be invested; The income is higher, far exceeding the bank deposit interest rate.
Whether Ruyibao of Minsheng Bank is risky or not is discussed from two aspects: online payment risk and investment risk.
On the one hand, it is the risk of online payment. From the risk of online payment, it involves the security of the network environment: whether the equipment used by investors for online payment, such as computers and mobile phones, is safe, and whether there will be virus pilfer date trojan implanted; Whether the payment system environment of Minsheng Bank is safe and whether it is attacked by hackers or computer viruses.
On the other hand, it is investment risk. From the perspective of investment risk, because Minsheng Bank Ruyibao is linked to the money fund, the relative security risk of the investment target of the money fund is extremely low. Unless there are extreme circumstances: financial disorder, sudden huge redemption, political changes, etc. , losses may occur. Therefore, the investment risk of Minsheng Bank Ruyibao is relatively low. Under normal circumstances, we will think that the Ruyibao products of Minsheng Bank are safe.
Judging from the above situation, although Ruyibao of Minsheng Bank has certain risks, it is still very safe on the whole and is a wealth management product worthy of investors' trust. Judging from historical data, the money fund is definitely a way to protect capital and manage money.