Then, according to the current rate of return of Yu 'ebao, what is the daily income of 52,000 yuan deposited in Yu 'ebao? Let's calculate together:
5.2*0.69 13=3.59476
Obviously, it's similar to what the subject said about 3.6 yuan. This is caused by the income status of Yu 'ebao. If you are not satisfied with the yield of Yu 'ebao, you may wish to consider the wealth management products of other platforms. For example, WeChat change pass, JD Finance.
Recently, the WeChat Bitcom, which was launched as a public beta, can be regarded as the wealth management product of the benchmark Yu 'ebao. It also belongs to the money fund, also known as "WeChat version of Yu 'ebao". At present, its annualized rate of return is basically between 3.0% and 3.27%, which is slightly higher.
In fact, recently, the yield of all domestic wealth management products, especially money funds, is generally low. Yu 'ebao is known as the "wind vane" in wealth management products. Due to the loose domestic monetary policy, the yield is declining.
At present, the daily income of Yu 'ebao is around 10,000 in 0.6 yuan, 5.2*0.6=3. 12 yuan, and the daily income in 3.6 yuan is relatively high. If calculated by daily 3.6 yuan, it is 3.6*365= 13 14 yuan, and the annualized rate of return is 13 14/52000.
Therefore, the daily income of Yu 'ebao's money is this level, which is the new normal. It is estimated that it is difficult to reproduce the original situation that the daily income is above 1 yuan. We can't change Yu 'ebao, we can only change ourselves, so for friends who use Yu 'ebao to manage their finances, they need to adjust their financial thinking.
Yu 'ebao is originally a small change financial management tool, equivalent to an electronic wallet, which can make some gains. However, due to the underdeveloped internet finance in the past, Ma Yun discovered the "hidden cake" of the money fund, so he set up Yu 'ebao and dug up the treasure originally "hidden in the boudoir". The yield of Yu 'ebao was as high as 6% at one time, and then hovered around 4% for a long time, which actually robbed the bank of its income, so the decline in income was normal.
Moreover, many people followed Ma Yunxue, such as WeChat, JD.COM, and even banks themselves promoted "baby" money funds, which led to the rapid expansion of the size of money funds, so the rate of return shrank rapidly, from 4% to 2.3%.
Many people learn financial management from Yu 'ebao. The 4% yield of Yu 'ebao simply exceeds the wealth management products issued by banks, so everyone regards Yu 'ebao as a special financial management tool. In fact, this is a misplaced understanding. Yu 'ebao is only suitable for small change financing, not for conventional financing. The reason is that the flexibility of funds is too good and the rate of return is too low. Only small change should be put in, not enlarged bills.
You have 52,000 yuan in the balance treasure. I think the amount of money is a little too much. Just leave one month's living expenses in the balance treasure. In the long run, the maximum is no more than 20,000 yuan. The remaining funds can be selected from Alipay's wealth management projects, such as Alipay's regular wealth management products, with an annualized rate of return of about 3.5%-5%, 1 daily income of ten thousand yuan of funds 1 yuan-1.4 yuan. As for prudent financial management, this rate of return is enough; If you can take higher risks, bond funds and hybrid funds are also good, but there may be short-term principal losses.
Why is there 52,000 in Yu 'ebao and only 3.6 yuan every day? First of all, it must be clear that Yu 'ebao is actually a money fund. Alipay accesses a variety of money fund products through Yu 'ebao's platform, and the daily income is the income from investing in money funds. I take my Yu 'ebao as an example:
The balance of Yu 'ebao was 1, 862.25 yuan, and yesterday's income was 0. 1.3 yuan. The monetary fund corresponding to my Yu 'ebao is Jianxin Jiaxinbao Currency A, and the annualized rate of return for seven days is 2.5 1.6%. The income of ten thousand copies in the previous day was 0.6956 yuan, that is, the income of 1 000 yuan was 0.6956 yuan.
If you look at your income again, it will be clear. For your 52,000 yuan, one * * * has the income of 3.6 yuan, so the income of 10,000 copies is 0.6923 yuan, and the corresponding annualized income is 2.53%. This rate of return is the rate of return of most money funds at present, and there is nothing abnormal.
Why is there such a low income? On the one hand, the money fund itself is a low-risk financial management method, and the corresponding rate of return will be relatively low; On the other hand, in recent years, the real interest rate has fallen, the currency is loose, and the overall income from wealth management is low. If you want to pursue a higher rate of return and are willing to take on higher risks, then fixed-investment wealth management products with medium and low risks are more suitable, with an annualized rate of return of around 4.5%.
Hello, everyone, I am a "wealth actuary", a family financial expert around you.
Yu 'ebao has 52,000. Why is it only 3.6 yuan every day? Behind Yu 'ebao is actually a money fund, and its recent yield is not high, which is equivalent to an annualized rate of return of about 2.26%. The daily income per 10,000 yuan is about 0.6 yuan. Now, if there is 52,000 yuan, the daily income is about 3. 12 yuan, which is lower than 3.6.
Why is the yield of Yu 'ebao declining now? At that time, the yield of Yu 'ebao was around 5%, which was more than ten times the current interest. Now, the yield of time deposits is approaching.
The investment direction of the money fund is demand deposits, time deposits with a term of less than one year, treasury bonds and other highly liquid assets. In recent two years, due to the wide monetary policy and good market liquidity, the market interest rate has been falling all the way. Not only the money fund, but also the deposit interest rate and the bank's wealth management yield are falling. Secondly, Yu 'ebao itself has been influenced by supervision and gained more investment to ensure safety.
Yu 'ebao has many advantages, such as high security and high liquidity, and can be taken at any time (limited to 654.38+00,000). But for friends with 52,000, put a part of the daily use amount in the balance treasure. For other funds, Cai Xiao suggested that more wealth management products can be considered to improve the income level:
1, Alipay's regular wealth management product. The annualized rate of return is above 3.5%, and the threshold is low, starting from 1 1,000 yuan, but the lock-up period is longer.
2. Bank wealth management products: There are many types, and the rate of return depends on the bank. At present, the overall rate of return is around 4%, much higher than Yu 'ebao.
3. Bond funds: There are many types of bond funds, but they are also fixed-income products. The product yield is relatively good, but there are certain investment risks.
Because now the annualized income of Yu 'ebao is around 2.5%.
(52000*0.025)/365=3.56。
So if you feel that the income is low, you'd better change the platform.
Hello, friends, let me correct one thing first: in Yu 'ebao, instead of saving money, I invest in open-end money funds. There is an essential difference between saving money and investing in funds, so we should pay special attention to it. As for the question mentioned in the title, the answer is clear: this is related to your 52,000 yuan fund and the nature of the time period. If you need this money at any time, then 3.50 yuan a day is not too small. On the other hand, this 52,000 yuan, if it is spare money, is too little. I suggest you change the product, give full play to its practical value and earn more income.
First of all, if your 52,000 yuan is the living money you need at any time, or you are pursuing high liquidity, there are already many 3.5 yuan in Yu 'ebao every day.
1, Yu 'ebao, belongs to open-end fund financing with non-guaranteed floating income. The outstanding feature is that the purchase and redemption are relatively flexible, and at the same time, it takes into account the second-level low risk of safety PR.
As shown in the above figure, the latest 10,000-share income of Yu 'ebao has declined, which is: 5.2 shares X0.5935 yuan (10,000 shares income) =3.08 yuan (daily average income).
2. During the same period, the bank deposit interest rate paid an annual interest rate of 0.35%.
Then: 52,000 yuan X0.35% 365 days =0.4986 yuan (day).
Summary: the income of Yu 'ebao depends on who it is compared with, whether the product selection is appropriate, the practical nature and so on. At present, financial management, 52 thousand, more than three yuan a day, not less.
Secondly, if the money belongs to idle money, there are suitable products:
1, spare money for financial management, if you want to improve your income, you must choose some products that can give full play to the time value, such as regular financial management, deposits and so on.
2. Suppose: 52,000 yuan, with a service life of one year, then it is not a dream to choose regular financial management and give full play to the time to make money.
As shown in the above figure, PR is in the middle and low risk level, at the same level as Yu 'ebao Monetary Fund, with a term of 365 days, and the conversion rate from its establishment to this year is 5.9%. Then: 52,000 yuan X5.9% 365 days =8.4 yuan (expected daily average income).
Summary: according to the nature of the fund, it is not a dream to optimize the products and double the income.
To sum up: Yu 'ebao invested 52,000 yuan, not saved 52,000 yuan, so it must be distinguished.
If it's life finance, 52,000 yuan is 3.5 yuan a day, which is really not too little, but it's quite satisfactory.
If it is spare money, it is still recommended, the first choice, and the correct choice of products with high matching degree. Doubling income is not a dream.
Yu 'ebao has 52,000 yuan, with daily income of 3.6 yuan. Annual income 13 14 yuan (3.6 * 365 = 13 14 yuan), and annualized income is 2.53%( 13 14/52000).
The assets behind Yu 'ebao are money funds, and the income of money funds is around 3%. Different money funds may have different returns. The money fund's income is not high, but its security is relatively high, and the possibility of loss is extremely small. At present, JD.COM, WeChat and other platforms have launched products similar to Yu 'ebao, and the money funds are behind these products, so the income is not high.
The main purpose of the platform to launch such products is to meet our daily management of liquidity. By purchasing Yu 'ebao products, under the premise of ensuring a certain liquidity, we can make some profit from our spare money, which is completely in line with our management of spare money. When Yu 'ebao 20 13 was first launched, the income was very high, reaching more than 6% at the highest time. At that time, Yu 'ebao was really loved by everyone, and many people used money to buy a lot of balance treasures to get income. I remember many people joking that every day's meals were earned from Yu 'ebao, which was popular all over the country at that time.
With the popularity of Yu 'ebao products, more and more platforms have begun to launch similar Yu 'ebao products, and everyone has more and more choices. At the same time, Yu 'ebao's income began to fall, from the highest 6% to the lowest 2%. Everyone's love for Yu 'ebao began to decline, and some people turned their investment direction to bank financing.
Hello, Chu Xiao, futures. As a so-called old man who has been engaged in the financial industry for more than ten years, the first users of Yu 'ebao, and as a national financial planner, I have many years of financial management and investment experience. Let me briefly answer this question.
First of all, understand the concept of Yu 'ebao.
Yu 'ebao is a balance appreciation service and current fund management service product under Ant Financial, which was launched on June 20 13. Tian Hong Fund is the fund manager of Yu 'ebao.
Yu 'ebao is connected with Yu 'ebao Monetary Fund under Tian Hong Fund, which is simple to operate, low in threshold and free of handling fee. In addition to the financial management function, Yu 'ebao can also be directly used for shopping, transfer, payment, repayment and other consumer payments. It is a cash management tool in the era of mobile Internet. At present, Yu 'ebao is still the largest monetary fund in China.
Secondly, understand the seven-day annualized rate of return of Yu 'ebao.
The seven-day annualized rate of return is the average income level of the money fund in the last seven days, which is obtained after annualization. For example, the annualized rate of return of a monetary fund is 2% on the same day, and assuming that the income of the monetary fund in the next year can remain unchanged at the level of the previous seven days, then you can get 2% of the overall income if you hold it for one year.
Of course, the daily income of the money fund will constantly change with the operation of the fund manager and the fluctuation of the money market interest rate, so it is unlikely that the fund income will remain unchanged for one year in actual operation.
In other words, the seven-day annualized rate of return of the latest Yu 'ebao is 2.304%, and the income per ten thousand copies is 0.6 1 17 yuan.
Third, back to this question: "The balance treasure is 52,000 yuan. Why is there only 3.6 yuan every day? "
How to calculate tomorrow's income of Yu 'ebao? On-day interest of Yu 'ebao = (confirmed capital of Yu 'ebao/10000)X interest per 10,000 shares. The interest per 10,000 shares is the interest of 10,000 yuan a day.
That is to say, if Yu 'ebao deposits 52,000 yuan, the interest of the day = (52,000/10000) x 0.6117 = 3.2 yuan.
The landlord was 3.6 yuan, that is, the interest per 10,000 shares was higher than 0.6 1 17 yuan.
Although this income is higher than the current interest, it is lower than the yield of national debt and bond funds. The advantage of Yu 'ebao lies in its convenient access, which is higher than one-year regular interest. You can choose other investment and financial management methods according to your needs.
Futures Chu Xiao suggested that everyone wait to see me and get the latest financial management and investment knowledge.
This is obviously that the subject is not satisfied with the income of Yu 'ebao.
(Figure 3) It can be seen that the annualized rate of return of Yu 'ebao is basically around 2.9, so only this money is right, because the possibility of income reduction due to the error in calculating the rate of return is very low.
The explanation of seven-day annualization is that the average rate of return for seven days reflects the rate of return for one year.
There is a trick to buy baby wealth management products. Don't look at the annualized rate, look at the extremely high rate of return. This is the most direct display for us.
However, if the topic is too profitable, I offer several schemes for the topic reference:
First, on a regular basis (Figure 4), there are sales in this Alipay, from seven days to two years, and the income is 3-6%.
Second, bonds (Figure 5) are also sold in Alipay, with an annualized rate of about 7- 10%.
Third, the fund, this ant wealth is basically to sell this, annualized, relying on their own skills. (Figure 1 and Figure 2 are earned by friends in my group. This 4.40% is calculated according to how many days you bought it. For example, he earned 4.4% in three days, not an annualized rate of return. Don't ask me how much he bought, I don't understand, anyway, I guess it used to be similar to Yu' ebao. )
It mainly depends on your own inner judgment on the rate of return, and it can also be configured in multiple types to improve the overall income.
According to the 7-day annualized rate of return currently displayed by my Yu 'ebao, the annual income of 52,000 yuan released by Yu 'ebao is 52,000 * 2.46% =1279.2 yuan, and the average daily income is 1279.2/365 = 3.5 yuan.
Since there are more than 20 money funds connected to Yu 'ebao, the seven-day annualized rate of return of each person will be slightly different, so it is normal for you to go to 3.6 yuan every day.
If I had 52,000 yuan, I wouldn't put it all in the balance treasure. I will buy some regular financial management to double my income. 0 1. Yu 'ebao is only used as a mobile electronic wallet.
I usually only put my daily expenses for 3-6 months in the balance book to cope with a small amount of emergency money.
Usually, the monthly expenses are around 3,000, so I will put 10,000 into it. In this way, the income will be around 240 yuan in one year.
02. All the remaining 42,000 yuan is used to purchase one-year regular financial management to obtain higher income.
Now I bought a year's regular financial management and did activities in the New Year. The annualized rate of return is good. I can safely estimate that the annualized rate of return is around 4.5%. The annual income is 1890 yuan.
The thing to pay attention to is to say it three times: once you buy a regular wealth management, you can't redeem it in advance, so you must make a full evaluation of the use of your money before buying and decide how much to buy.
The above operations are all prudent financial management, and friends who can take risks can try to buy funds or start fixed investment of funds.
To sum up, after this operation, the annual income is 240+ 1890=2 130 yuan, and the average daily income in 5.8 yuan is 66% higher than that in 3.5 yuan!