余额宝保底吗？
关键词：余额宝保底吗？
看到周围的朋友纷纷地加入到余额宝的大军行列中，你的心也不自觉地心动起来了。当您想投身进去余额宝的队伍中赚取一杯羹的时候，你必然会考虑到一个现实的问题：在诱惑的背景下，余额宝保底吗？
余额宝究竟是什么来的呢？其实，余额宝是阿里巴巴集团为支付宝用户推出的通过余额进行基金支付的服务。我们把支付宝中沉淀的金钱转入余额宝，其实就是在向基金公司等机构购买相应理财产品。余额宝支持天弘基金的“增利宝”货币基金。
余额宝保底吗？余额宝是一种货币基金，货币基金主要是投资于短期货币工具如国债、中央银行票据、银行定期存单、政府短期债券、企业债券、同业存款等短期的、安全性高、收益稳定有价证券的基金产品。总体来看，货币基金作为基金产品的一种，理论上存在亏损可能，但从历史数据来看收益稳定风险极小。另外，余额宝不仅能够做到收益安全，而且还能做到账户安全，如果我们转入到额宝的资金会受到支付宝安全保障。若经核实确实存在被盗的情况，核实后将对您做全额补偿。
不过，投资肯定是有一定的风险。按照银监会规定，全部理财产品都不许保底。余额宝是货币基金，所以余额宝也必然存在一定的风险，但是亏损的可能性微乎其微，远低于银行理财产品的风险。
本文来源： 大田环球贵金属
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