It is equivalent to 10000 yuan, the annual interest income of Yu 'ebao is 226 yuan, and the annual interest income of WeChat change is 247 yuan, which is 2 1 yuan more than Yu 'ebao.
Although the yield of WeChat change pass is higher than that of Alipay's balance treasure, I put my money in Alipay mainly because:
0 1. Personal usage habits.
My personal salary management is still biased towards Alipay, which is a habitual problem.
I have been using Alipay since I started shopping with Taobao. Although the income of Yu 'ebao is low now, I will transfer my salary to Yu 'ebao and manage my money through Alipay.
Wechat change pass now I just use it to collect, give out red envelopes, or put money in it when I collect rent, and then go out shopping and scan the code to pay.
02. For the convenience of financial management, funds need centralized management, and Alipay is the first choice.
Since Yu 'ebao was the first to contact with financial management, although the income has been declining year by year, Alipay has also introduced a variety of high-yield financial management measures and bought account insurance. If funds need to be concentrated, they must be given priority in Yu 'ebao.
Basically, I spend money on Taobao every month. You can pay it back this month and next month, and you can earn interest by putting the money in the balance treasure before you pay it back.
In addition, although the current income of Yu 'ebao is low, it also supports automatic deduction of other wealth management projects, such as regular wealth management with high purchase yield, and the general yield of China Life Anxinli and Yangtze River Pension is above 4.5%; There is also the purchase of funds or the opening of funds for fixed investment.