Recently, I believe everyone will notice that the annual interest rate of Yu’e Bao has been decreasing.

And now Yu'E Bao still carries out limited subscriptions every day, which makes Yu'E Bao really not have much advantage in many investment products.

But to say that Yu’e Bao is really dead, I personally think this statement is still incorrect.

As Yu'e Bao is currently the largest monetary fund in China, it is actually very normal for the interest rate to fluctuate to a certain extent.

Because there is really no fund that can maintain high returns without floating.

Even though Yu'E Bao has restricted purchases and the interest rate has been lowered to a certain extent, for now, Yu'E Bao is still the most popular monetary fund in the country.

Nowadays, the daily subscription quota is usually gone within a few minutes, which shows the popularity of Yu’e Bao.

As for the interest rate of Yu'e Bao, there have actually been lows before.

As early as around 2016, the interest rate on Yu’e Bao was around 3%.

? ? ?Now Yu’e Bao purchases are becoming more and more inconvenient, and the interest rates have also been reduced.

So where should we put our money?

In fact, with the development of Internet finance, there are really many places and methods to invest.

(1) BAT and Internet BAT are the three giants in the Internet, and in the financial world, BAT is also responsible. Of course, it is not difficult to outperform Yu'e Bao.

Yu'e Bao has not only been outperformed by competitors Tencent Financial Management and Baidu Baidu, but has also been caught up by Tencent's good friend JD Finance and its own good friend Suning Financial. Even some of the currency funds recommended within Yu'e Bao have surpassed Yu'e Bao's

For example, ICBC Credit Suisse Ruyi Currency A, which is recommended for optimizing financial management options within Yu'e Bao, has a seven-day annualized rate of 4.216%, far exceeding Yu'e Bao's average return rate of 3.8859% in the past month.

(2) Babies in investment banking departments are generally relatively "well-behaved". Although their yields are not as high as Internet-based products, the funds they connect to are basically products developed by their fund companies, and their purchasing methods are generally the same.

It is embedded in the mobile banking APP developed by the bank, which is more convenient. If the salary card is from the corresponding bank, you may wish to consider it.