A colleague of mine has saved nearly 300,000 yuan. He keeps all his money in Yu'e Bao, not in the bank. He said that the interest rate of money in Yu'e Bao is higher than that in the bank, and it is safer and more convenient.
Then he also watered in Alipay. He received two boxes of fruits every month. He recommended it to us and asked us to save all the money in Yu'e Bao.
But I am not sure about Yu'e Bao. I usually have more than 10,000 yuan, and I will take it to the bank for a fixed deposit. I feel that the bank is more reliable.
Because I have been defrauded online before, I am not sure. I think that if you deposit a fixed deposit, it is in the passbook. The passbook is useless except for you. You must be present to withdraw the money.
But if you deposit money in Yu'e Bao, if others know your mobile phone unlock password, they can transfer your money.
My money was transferred to the scammer by my daughter in the middle of the night. They used the SMS verification code to change my payment password.
So I think it is very unsafe, and it is safer to deposit it for a fixed deposit.
My colleague said that you think too much. I have kept all my money in Yu'e Bao. For so many years, I have not lost a penny, and the interest rate is not lower than that of the bank.
The main thing is that you don't have to go to the bank to queue up and waste time. If you want to use it, you can withdraw it at any time. If you go to the bank to deposit it regularly, you have to queue up again, and you can't withdraw it before the time comes.
What's more infuriating is that when you go to deposit money, the bank staff still desperately deceives you to buy this insurance and that insurance, which makes you dizzy. How troublesome is it?
So I put all my money in Yu'e Bao, which is very safe.
But I am afraid of the rope after being bitten by a snake once, and I just feel uneasy. I still think that the passbook is safer.
Which one do you think is safer? Where do you usually keep your deposits?