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What are the benefits of Yu 'ebao?
In fact, the income of Yu 'ebao is that the user bought the "Zenglibao" monetary fund provided by Tian Hong Fund. It is not Yu 'ebao that provides users with real income, but the money fund behind Alipay.

In fact, the money fund is an open-end fund. According to the types of financial products invested by open-end funds, people divide open-end funds into four types: stock funds, hybrid funds, bond funds and monetary funds. The first two belong to the capital market, and the first is the money market. Monetary funds mainly invest in short-term financial products with high security, such as bonds, central bank bills, repurchase, etc. , also known as "quasi-savings products". Their main features are "worry-free principal, convenient demand, regular income, daily income and monthly dividend". Money funds only invest in the money market, such as short-term government bonds, repurchase, central bank bills, bank deposits, etc. And there is basically no risk. Its liquidity is second only to bank demand deposits, and its income is calculated every day. Generally, the one-month income is carried forward to the fund share, and the income is slightly higher than the one-year time deposit, and the interest is tax-free. The principal of the Monetary Fund is relatively safe, with an expected annual rate of return of 3.9%. It is suitable for liquid investment tools and a substitute for savings. In general, the probability of investors' profit is 99.84%; The expected rate of return is between 3.8-5%, which is higher than the interest of 3.5% for one-year time deposit, and there is no interest tax; Can be redeemed at any time. Generally, it can be received the next day after applying for redemption, which is very suitable for investors who pursue low risk, high liquidity and stable income.

The appearance of Alipay wallet itself is of great historical significance, which breaks the charging mode of transfer and remittance fees between different banks or provinces. In the mobile phone Alipay wallet, users have realized free transfer and remittance. The corresponding balance treasure wealth management Alipay wallet can be transferred directly, and Tencent Wealth Management (Tencent's balance treasure) can be transferred to WeChat. Users only need to bind the bank card and WeChat, which is extremely convenient. However, the emergence of Baidu wallet does not rely on a single Baidu wallet against the multifunctional Alipay wallet and WeChat, but calls the payment function according to the user's search needs and usage scenarios. The three mobile platforms are not pure financial management and pure products, but all carry out additional payment functions on the basis of basic functions. The emergence of Baidu APP allowed the BAT Big Three to continue hand-to-hand combat in the mobile battlefield. The future finance will probably not return to the previous finance, and will be labeled as the Internet from now on. As long as there is finance, it is internet finance.