Now Alipay also has bank deposit products, so there is no need to worry.

If you have 100,000 yuan directly on Alipay, you can allocate assets from the lowest to the highest risk products.

Alipay used to only have financial products, and the most well-known product is Yu'E Bao. With the return rate of Yu'E Bao products getting lower and lower, the annualized return is currently expected to be less than 2.3%.

Although the rate of return continues to decrease, it still has a scale of tens of trillions because of its reputation and comfort level among users.

In order to divert customers and reduce the pressure on Yu'e Bao, and to continue to attract customer investment, Alipay has launched another product called Yu Libao. It is actually an upgraded product of Yu'e Bao. In finance, it is called FOF (Fund of Funds). It uses the balance

Bao is used as the basic product, and some other mid- to high-yield products are purchased and combined to form a fund product with a higher yield.

Yu Li Bao's yield is generally about 1% higher than Yu'e Bao, and generally remains at 3.3%.

In addition to these two flagship products, Alipay has already launched a gold financial management section, an insurance financial management section, and a trust financial management section. However, the risk levels of the customers corresponding to these sections are not clear, and they are mainly medium and low risk levels.

Mainly products, the expected return rate is generally within 6%.

One of the more outstanding products is Feiyuebao.

Alipay's fixed investment section is mainly to provide financial managers with some fixed investment tests and asset portfolios. In fact, it is more like an investor education tool.

Among them, there are trust products in the exclusive product section, which require high-end customers to claim (a copy of more than 1 million).

Generally speaking, Alipay's financial management functions are always missing something.

The positioning is not so clear either.

However, Yu'e Bao continues to innovate. In September 2019, a bank deposit product was discovered on Alipay for the first time, and it was a high-interest deposit product of a new private bank.

The first person to log in to Alipay is Guangdong Huaxin Bank's Fixed Deposit (one-year time deposit). If you include interest rate increases, the annualized rate can reach 4.51%.

This is a standard fixed deposit, protected by deposit insurance.

The operation is also quite simple and fast. You only need to open a bank's second-class electronic account on the Alipay page. After the payment is due in the future, you can also cancel the account (cancel the bank's second-class account) with one click through Alipay.

This feature is more humane and reassuring than banking products sold on other Internet platforms.

At present, Huaxing Bank products have been sold out and have been offline.

But it has also launched a series of three-month, six-month and one-year time deposit products of Yingkou Bank, with interest rates reaching an annualized rate of 4.75%.

This interest rate is quite attractive. The highest interest rate for super large certificates of deposit also reaches the current interest rate for structured deposits.

Especially for short-term fixed deposits, it is very rare to achieve such high interest rates.

So now the product line on Alipay is very complete.

Bank time deposits with principal and interest guaranteed, all the way to medium- and high-risk gold financial products are available.

I suggest that investors can first do a risk assessment on Alipay to measure the risk level they can bear, and then make an effective asset portfolio.

If you don’t understand, you can consult Mr. De, who can give you guidance.

If I have 100,000 yuan, I will not choose to deposit it in the bank, let alone put it in Alipay. I will invest in the stock market. I am currently investing in funds and have made huge profits. Since there are better investment products, why should I put the money in the bank and Alipay?

Alipay to get lower returns?

Obviously, doing so will not only fail to keep up with inflation, but also miss the opportunity to invest in the stock market.

First, do not consider banks and Alipay.

The current interest rate of banks is about 4.5% at most, which is the interest rate only offered by rural commercial banks. This interest rate is not high. Moreover, only 100,000 cannot meet the deposit demand of large certificates of deposit. Generally, it is difficult for time deposits to exceed 4.5%.

The deposited funds will remain there for three to five years, so it makes no sense to hold such a low interest rate.

Alipay's current monetary fund is 2.5%, which is much lower than the bank's interest rate. It is not cost-effective to deposit in Alipay's monetary fund. It is obvious that the 100,000 yuan invested in this way will depreciate.

Second, invest in stocks.

Why should we recommend stocks? The current stock market is already on the way to a bull market. At this time, if you choose to invest in stocks, you can generally earn 10% in a year. If you are worried about venture capital funds, you can also earn more than 10% in a year.

, this is much better than depositing it in the bank or Alipay. Since the stock market has ushered in investment opportunities, why should you put 100,000 into these financial management products that cannot generate big returns?

To sum up: If you have 100,000 yuan, you will not choose to deposit it in the bank or put it in Alipay. You will consider investing this 100,000 yuan in stocks. The current stock opportunity has come, seize it, and earn at least 10% or more in a year.

There is interest, and the market has just begun.

In fact, the current market returns of Yu'e Bao and those low-risk regular financial products in Alipay are not very good, and they are not as high as those of bank-related products.