1, from the perspective of income

Reverse repurchase of national debt is a short-term loan, that is, you lend money to others, and then get fixed interest, and others use national debt as collateral to repay the principal and interest at maturity.

Therefore, buying government bonds for reverse repurchase can depend on the holding period and interest rate, generally within the range of 1%-5%, mostly between 2% and 3%, and some interest rates are relatively high, maybe 6%, 9%, 12%.

The seven-day average expected annualized rate of return of Yu 'ebao fluctuates around 2%. From the perspective of income, it mainly depends on whether the interest rate at the time of reverse repurchase of government bonds is high.

If the interest rate of reverse repurchase of treasury bonds is relatively low, only 1%, then the income of Yu 'ebao is relatively high. If the interest rate of national debt reverse repurchase is relatively high, such as 6%, 9%, 12%, then the income of Yu 'ebao is low.

2. From the perspective of investment period.

The reverse repurchase of government bonds is traded on Shanghai Stock Exchange and Shenzhen Stock Exchange. At present, there are nine varieties of 1 day, 2 days, 4 days, 7 days, 14 days, 28 days, 9 1 day and 182 days. There is a time limit for the reverse repurchase of government bonds.

Yu 'ebao has no time limit, so it can be taken out and deposited at any time, which is very convenient and can also be directly used to pay for consumption. In this regard, Yu 'ebao is dominant.

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. Yu 'ebao is still the largest monetary fund in China.

2065438+On May 3rd, 2008, Yu 'ebao newly accessed two money fund products, namely "Boss Cash Income Currency A" and "China-Europe Rolling Qian Bao Currency A", which are owned by Boss and China-Europe Fund Company.

main feature

1, the operation process is simple.

Yu 'ebao's service is to build the fund direct selling system of the fund company into Alipay website. When users transfer funds to Yu 'ebao, they actually buy money funds. The corresponding funds are managed by the fund company, and the income of Yu 'ebao is not "interest", but the income of users buying money funds. If the user chooses to use the funds in Yu 'ebao for shopping payment, it is equivalent to redeeming the money fund. The whole process is as simple as recharging Alipay, withdrawing cash or paying for shopping.

2. There is no limit on the minimum purchase amount of Yu 'ebao.

Yu 'ebao has no limit on the minimum purchase amount of users, and you can buy it for one yuan. The goal of Yu 'ebao is to give those pocket money a chance to gain value, so that users can enjoy even one or two yuan, one or two hundred yuan of financial happiness.

3, high income and flexible use

Compared with the general "Qian Shengqian" financial services, Yu 'ebao has a greater advantage in that it can not only provide high income, but also fully support almost all Alipay functions such as online shopping and Alipay transfer, which means that the funds in Yu 'ebao can always increase in value, on the other hand, it can be used for consumption at any time.

4. Safety

Alipay also provides protection for the compensation of the stolen amount to ensure that the funds are foolproof.