Yu 'ebao's income is floating, but the floating range is not very large. The daily income of 25, yuan should be 2 yuan, which is about 5 cents in 2 yuan. Yu 'ebao's income is higher than the one-year time deposit in the bank, and it can be withdrawn at any time, so it is very popular with people. More than 4 million people in China are using Yu 'ebao.
Yu 'ebao is a balance appreciation service and current fund management service product under Ant Financial. Tianhong Fund? He is the fund manager of Yu 'ebao.
Is Yu 'ebao docked with Yu 'ebao Monetary Fund under Tianhong Fund? , characterized by simple operation, low threshold, zero handling fee, and can be used at any time. In addition to financial management functions, Yu 'ebao can also be directly used for consumer payment such as shopping, transfer, payment and repayment, and is a cash management tool in the era of mobile Internet. Yu 'ebao is still the largest monetary fund in China.
on may 3, 218, Yu' ebao was newly connected to two money fund products, namely "Bosera Cash Income Currency A" and "China-Europe Qian Bao Currency A" under the China Europe Fund Company. ?
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1 yuan can manage money on a regular basis-Yu 'ebao was born in 213, which is widely regarded as the first year of Internet financial management for Chinese people, and Yu 'ebao has become the most typical representative of inclusive finance. One year after it was launched, it not only made tens of millions of people who had never been exposed to financial management germinate their financial awareness, but also activated the technology and innovation of the financial industry and promoted the process of market interest rate. Yang Chi, a researcher in the Development Research Department of Huaxia Bank, said that the emergence of Yu 'ebao not only meets the growing demand of residents for asset allocation, but also complements the existing investment products, which not only improves the wealth management income, lowers the wealth management threshold, but also awakens the public's financial awareness. Wu Xiaoqiu, director of the Institute of Finance and Securities of China Renmin University, said that the core contribution of Yu 'ebao is to establish the wealth of surplus funds and establish the approximate scale of market-oriented interest rates, which is conducive to promoting the process of interest rate marketization. ?
Yu 'ebao is not only an "artifact" of national financial management, but also constantly enters various consumption scenarios, bringing subtle and beautiful changes to users. Since 214, Yu 'ebao has successively launched projects such as buying a mobile phone with zero yuan and buying a car with Yu 'ebao, so that Yu 'ebao users can enjoy special preferential rights and interests, and also see Yu 'ebao's imagination in the field of consumption. In March 215, Yu 'ebao was the first to buy a house, which was a big breakthrough in the consumption scene of Yu 'ebao and the first time that the real estate industry introduced Internet financial tools. At that time, Fangxing Real Estate and Taobao launched the Yu 'ebao house purchase project, and released 1132 suites to support Yu 'ebao's house purchase in ten major cities in China, such as Beijing, Shanghai and Nanjing: after the buyer pays the down payment through Taobao, the down payment will be frozen in the balance treasure. Before the formal delivery of the house or 3 months after the down payment, the balance treasure income generated by the down payment still belongs to the buyer. This means that the first delivery and then payment, the first payment can also earn income.
It is precisely because of the emergence of Yu 'ebao that the channels of public financial management have been expanded. Under the influence of Yu 'ebao's powerful fund gathering effect, major banks have launched similar Yu 'ebao products to meet the challenges, such as Ping An Bank's Ping An Ying, Minsheng Bank's Ruyibao, China CITIC Bank and Xincheng Fund's Salary Pot, Industrial Bank's Xingyebao and Treasurer's Wallet. These banks are monetary funds that the Baby Corps mostly cooperates with banks and fund companies. However, the emergence of the "Baby" Corps did not affect the status of Yu 'ebao as the largest monetary fund in China. According to the 215 annual report released by Tianhong Fund at the end of March,
Yu 'ebao's net profit in 215 was 23.131 billion yuan. This figure was about 24 billion yuan in 214 and 17.9 billion yuan in 213. As of December 31, 215, the net return rate of Yu 'ebao's share was 3.6686%, and the benchmark return rate of the same period was 1.3781%. Among the top five funds in terms of profit, Tianhong Yu 'ebao ranks first, and others are Guangfa Jufeng, China Post Core Growth, Yifangda Ruihui Flexible Configuration and Balanced Enrichment. It is worth mentioning that although the annual profits of the last four funds all exceed 7 billion yuan, none of them exceed 1 billion yuan, so the status of Yu 'ebao is far from being shaken. Experts pointed out that the current interest rate marketization reform in China is still progressing steadily. In the long run, the income of Yu 'ebao will gradually return to a more balanced income level of the money fund. The positioning of Yu 'ebao as a "cash management tool" has become more and more obvious. ?
on December 7, 217, Tianhong fund announced that it would adjust the daily subscription amount of Yu' ebao to 2, yuan, that is, the subscription application for investors' personal trading accounts exceeding 2, yuan in a single day would not be accepted, and this measure will be implemented from : on December 8, 217. ? As of April 1, 219, Yu 'ebao completely canceled the purchase restriction. (That is, the purchase of Tianhong Yubao Monetary Fund will no longer be limited by the subscription amount of 2, yuan per day and the maximum personal holding amount of 1, yuan. ）?
On January 31, 218, Alipay issued the Announcement on Suspension of Automatic Transfer of Balance to Yu 'ebao, and cancelled the automatic transfer function on February 1, and set the daily subscription amount of Yu 'ebao until it is purchased on the same day. ?
on may 3, 218, Yu' ebao announced the upgrade, and newly accessed two money fund products, namely "Bosera Cash Income Currency A" and "Central Europe Rolling Qian Bao Currency A" under Bosera and China Europe Fund Company. ?
in may, 218, Yu' ebao issued an announcement on the client side. Starting from : on June 6th, 218, the amount of quick receipt on the day when Yu' ebao was transferred to the bank card was adjusted, from 5, yuan per day to 1, yuan, and the ordinary receipt service (the amount of receipt on the next day) and consumer payment were not affected. ?
On May 28th, 218, cathay pacific fund's Guotai Libao Monetary Fund will also be officially connected to Yu 'ebao. ?
By the end of June 218, the total scale of the six money funds of Yu 'ebao had reached 1.8 trillion yuan.