First of all, what is a change pass? Bitcom is a financial tool on WeChat that we use every day. When we open WeChat's wallet, we can see that we can transfer the money we don't need in a short period of time from our daily WeChat to Bitcom, and we can generate income every day. The income can be included in the principal to achieve the effect of rolling interest. The money in Bitcom can be used for daily consumption, which is very convenient.
Secondly, why is the risk of changing accounts low? In fact, we actually bought the money fund by transferring money to the change account, which is equivalent to buying the products of the fund company. Wechat provides such an entrance, and money funds mainly invest in cash products such as government bonds and deposits. These products are very safe. At least so far, the money fund has not lost money. Although money funds can't protect capital and interest like bank deposits, they are also very safe.
Finally, what are the benefits of giving 0.2 million/200 thousand change? One of the characteristics of money funds is that the daily income is not fixed. At present, its 7-day annualized income is around 2%, the annual income of 1 10,000 is around 200 yuan, and the annual income of 200,000 is around 4,000 yuan. Although this income is not too high, it is still much higher than the bank's demand deposits. In addition, it should be noted that the daily trading time of the money fund is 15:00, no matter you are.
To answer this question, we must first understand what a change pass is.
Bitcom: Established by Tencent Fortune and Weizhong Bank, it is a platform for Tencent to provide wealth management services to users in conjunction with a number of financial institutions. Do not directly provide financial products, do not participate in investment, and do not take risks. Therefore, all the financial products we see in the change pass are provided by cooperative financial institutions.
Money funds are investments that are changed through financial management. The risk is the lowest among all wealth management products except bank savings. Of course, the yield is relatively low, but it is very safe. Moreover, the funds managed by fund companies are all in banks. Needless to say, safety.
In addition, WeChat also provides customers with four security measures: digital certificate, payment environment protection, security lock and privacy protection. The most commonly used and practical are digital certificates and security locks. There is also "million guarantee" insurance. Click to enter, and you will see that WeChat officially provides you with free security insurance for the whole journey. Support all WeChat payment accounts. As long as it is the loss caused by theft, you can get compensation, and there is no limit to the number of payments. Therefore, the security of WeChat platform is very high.
There are two main ways to withdraw cash from an account: withdrawing money from a bank card. A changed account can only be bound to one of the bank cards under the user name for access, so the withdrawal process will not be transferred to other bank cards; Transfer to WeChat change account. WeChat change transfer is as safe as Alipay, and the bank card bound by WeChat is also under the user name. Therefore, no matter where the funds flow, it is safer.
Of course, investment is risky and financial management needs to be cautious. The low-risk, low-yield fund products provided by a big platform like WeChat are relatively safe. Personally, if you really want to try the change pass, you can turn around a few parts first, experience it, and then decide how much to invest, so you can know fairly well.
200,000 in ICBC, the safest,
I also want to know the answer. There is no 200,000 in WeChat. Have you tried posting it? [Laugh and cry] [Laugh and cry] [Laugh and cry]
It should be safe. I haven't saved so much and I haven't tried it.
Change is not a fund! ! !
Flexibility is not a stock! ! !
Money pass is not futures! ! !
If you have to say that small change is risky, it may be that you accidentally spent it. ...
Moreover, it is absolutely impossible to deduct a few hundred dollars at a time, because the alternative income is daily, and you can get tomorrow's income today, while the current positive income of alternative is generally 0.6-0.8, that is to say, if you have100000, the positive income is 6-8 yuan a day, and the positive income is like this, so the negative income is within the range and cannot be much higher.
And most importantly, change pass and Yu 'ebao are one of the few wealth management products on the market that can protect the capital. Although the government has not clearly stated this point, there has been no negative income since the introduction of the change permit. If there is a negative return on the day's change pass, it must be a news hot spot.
However, extremely low risk does not mean that there is no risk, but we need to measure the probability of this risk. In the past, many old people thought it was unsafe to put money in the bank. What if it's robbed at the bank? But isn't the risk of being stolen at home greater than the risk of being robbed at the bank?
So these are potential ideas at work, just as many people have always been skeptical about financial management, including saving money in Alipay and WeChat, but in fact, the innovation brought by technology is not a little bit.
Of course, it is not impossible to deduct hundreds of dollars at a time, but several preconditions need to be met:
First, you have at least 5 million deposits in your change account, which is possible because your change account has no limit.
Second, during the period when you deposited 5 million yuan into your card, a global economic crisis comparable to that in 2008 occurred in the global market, which affected your products.
Third, the financial institutions behind the change pass have no corresponding risk hedging mechanism.
Of course, for a poor man like me, the first condition can't be met. If I have 5 million yuan, I can earn hundreds of dollars a day without working.
Nowadays, financial institutions generally have risk hedging mechanisms. Simply put, it is two different wealth management products. If the income of one product goes up, the income of another product will go down, so even if one product loses money, another product can make up for the loss, so the worst case is that there is no income.
Therefore, if it is tens of thousands of dollars, you can eat breakfast money every day with small change. Although it is not much, at least we can see the increase of assets every day.
However, if you invest in the stock market, funds and futures, it is normal to deduct hundreds a day, or even tens of thousands. Thousands of dollars may lose hundreds a day.
Therefore, if the risk tolerance is low and money needs to be circulated, it is best to deposit the money in wealth management products such as change pass and Yu 'ebao, so that there will be gains and there will be no way to circulate the money when it is urgently needed.
Account security
Then, since the risk of money fund products purchased through the exchange is low, is it safe to put the funds in the exchange account?
Is there a risk of theft? Let's analyze it from two angles.
1. Transfer out risk
There are two main ways to withdraw cash from a current account:
Withdraw cash to the bank card. An account can only be bound to a bank card under one user name, so the process of withdrawing cash will not be transferred to other bank cards.
Transfer to WeChat change account, WeChat change transfer is as safe as Alipay, and the bank card bound by WeChat is also under the user name.
So no matter where the funds are transferred, it is safer.
2. Transfer risk
In addition to cash withdrawal, the money in the change account can also be used to transfer money to others and daily consumption. Generally, it is necessary to verify the user's fingerprint or payment password in the process of transfer and consumption. If the account is abnormal or risky, the system will also need SMS verification code, so the biggest risk is whether you keep your payment password and mobile phone verification code well.
To sum up, the security and flexibility of the change pass are comparable to that of Alipay's balance treasure. While ensuring the security of your account information, the possibility of being stolen is very low.
And now both WeChat and Alipay provide users with account fund insurance. If it weren't for their improper operation, they would compensate, so they can still use the visa with confidence.
If it is 2 billion, we can really consider this issue, but if it is only 200,000, don't worry at all.
Because the change pass is a financial tool recommended in WeChat wallet, it is aimed at Alipay's balance treasure. Don't worry too much about the gold-lettered signboards of Tencent and WeChat. Compared with Ali, Penguin's financial strategy is too conservative.
The safest thing is in the bank. The bottom line of the bank's bankruptcy claim is 500 thousand pounds. Small change belongs to money funds such as Yu 'ebao, which is very safe, but the risk is still a little bit.
The change pass is quite good, and it is convenient to use if you are interested in it. I hope there are 200 thousand [love] [scattered flowers]
It's not safe, is it Such a large sum of money can buy fixed assets.