Nowadays, money placed in the bank is depreciating day by day, so now everyone chooses to manage their finances online.
But not in recent months, funds and stocks have plummeted!
It is better to put it in monetary funds such as Yu'e Bao.
I have found a few for you to check out; 1. Yu’e Bao (Alibaba) Yu’e Bao is a balance value-added service created by the third-party payment platform Alipay for individual users. Through Yu’e Bao, you can make payments and transfers at any time.
Out without any handling fee.
Users can directly purchase funds and other financial products on the Alipay website. At the same time, funds in Yu'e Bao can be used for online shopping, Alipay transfers and other payment functions at any time.
The funds transferred to Yu'e Bao will be confirmed by the fund company on the second working day, and the income will begin to be calculated for the confirmed shares.
The reservation page of Yu'E Bao's second-generation official website shows that the product's expected annualized return rate is 7%, and the capital will be guaranteed.
According to industry insiders, the second phase of user exclusive rights may be linked to insurance products. According to insurance industry practices, the guaranteed return may be 2.5% annualized.
2. Lingqianbao (Suning.com) Lingqianbao is a cash management product created by the third-party payment platform Yifubao for individual users. The funds stored in Lingqianbao by users can not only get higher returns, but also be consumed and transferred quickly at any time.
It is convenient and flexible and does not charge any handling fees.
On the Lingqianbao website, there are multiple monetary funds for users to choose freely, fully protecting the rights and interests of users. At the same time, the funds in Lingqianbao can be withdrawn at any time, which can be used for online shopping, recharge payment, transfer and credit card repayment, etc., or
Go to YiFubao account or bank card.
3. Current Treasure (Oriental Fortune Network) Current Treasure (formerly Tiantian Cash Treasure) is a financial management tool launched by Tiantian Fund Network for selected currency funds.
By recharging current deposits (i.e. purchasing preferred currency funds), the income can be up to more than 10 times that of current deposits, far more than a one-year fixed deposit. You can also enjoy 7 x 24 hours fast cash withdrawal and real-time payment services.
4. Yibao (Tonghuashun) Yibao is a current financial management tool created by Tonghuashun.
Through Yiyibao, users can recharge any preferred currency fund and enjoy up to 11-23 times the income of bank demand deposits every day, which is more than one-year fixed deposit.
The balance of Yiyibao can be withdrawn at any time, with no time limit.
Yibao funds only invest in highly safe and stable financial instruments such as treasury bonds and bank deposit certificates, with low risks.
Interest is calculated every day, including weekends and holidays, and the income can be seen every day.
5. Cash Bao (China Universal Fund) Cash Bao, ultra-low deposit threshold, you can deposit just 1 cent, and there are no handling fees for deposits and withdrawals!
After the money is poured into Cash Treasure, it is equivalent to purchasing China Universal's currency fund, and you can enjoy the income of the currency fund.
In 2012, the annualized income of cash treasure was 4.115%, which was 11.8 times that of current deposits in the same period.
Moreover, the income level of the new generation of cash treasure is more competitive in the market than before the upgrade, realizing daily interest calculation, daily dividends, and daily compounding of income.
6. Wealth Management Link (Tencent) On January 22, 2014, Wealth Management Link, a joint venture between Tencent and China Asset Management, was officially launched on WeChat.
Wealth Management raised 800 million yuan that day.
Yu'ebao, which was launched on June 13, 2013, raised 350 million on the first day.
In addition, on the day that Wealth Management was launched, the 7-day annualized rate of return was announced at 7.529%, while Yu’e Bao’s 7-day annualized rate of return was 6.46%.
At present, Wealth Management can only be operated on mobile phones. You need a smartphone, download the WeChat APP, and bind a bank card to make deposits and transfers conveniently.
The 7-day annualized rate of return is 6.4350%, which is equivalent to more than 16 times that of current deposits. During the trial operation stage, the maximum daily deposit is limited to 8,000 yuan.
7. Baifa (Baidu Financial Management) On October 28, 2013, the "Baidu Financial Center - Financial Management" platform was officially launched, and will work with various financial institutions to customize highly attractive financial products.
"Baifa" is the first financial plan launched by Baidu Financial Center. With the goal of helping people get rich, it lowers the threshold for users to migrate from traditional finance to Internet finance.
8. Jingbaobei (Jingdong Mall) "Jingbaobei" integrates and processes purchasing, sales, financial and other data on the Jingdong platform to complete automated approval and risk control.
Since the entire process is conducted online, the time to complete the loan can be shortened from the previous calculation of days to less than 3 minutes.
The financing period of this business is up to 90 days, and the financing amount and repayment time can be determined by the supplier.
JD.com claims that thousands of suppliers on the platform can quickly obtain financing based on procurement, sales and other data, and the entire process from application to loan disbursement can be completed within 3 minutes; without any guarantee or mortgage, it can effectively increase the company's working capital turnover.
9. Money Bag (Guangfa Fund) GF Money Bag is a cash management account with currency funds as the core launched by GF Fund online trading.
Monthly income and idle funds are all recharged into the wallet, so that you can not only enjoy the income from the monetary fund, but also worry about repaying the loan.