Reason 1: Continue to squeeze out the Tian Hong Fund and reduce its scale to meet the regulatory needs of the central bank. Recently, friends should be deeply touched by Yu 'ebao's purchase restriction. Yu 'ebao was limited to 200,000 before, but now it is limited to 65,438+10,000, and then it was snapped up at 9: 00. Minutes make people crazy, so many friends give up Yu 'ebao. This is one of the ways to limit the scale of Yu 'ebao.

The most direct, effective and powerful stimulus is to cut interest rates. At present, the annualized rate of return of Yu 'ebao has fallen below 4%, which is lower than the mainstream current wealth management products on the market. Friends, I have Yu 'ebao, and my income is not up to expectations. Then why do I still have Yu 'ebao?

Restricted purchase+low interest rate, this combination of boxing, is continuing to compress the world's largest monetary fund in the near future.

Then, if the balance treasure is too large, what will be the consequences? You should know that if you cash out, Yu 'ebao will arrive at T+0, that is, in real time. And once a similar "black swan" incident happens and everyone runs away, then this Tian Hong fund will die instantly, because you invest in the money fund, not the savings! Tian Hong Fund has been invested, and there is no cash reserve here, so there is no way to pay the principal and income of customers. This is what the central bank calls "liquidity risk".

In order to guard against this risk, Ant Financial will have to pay a huge sum in advance. Now it seems that this is obviously unwise. Therefore, it is imperative to squeeze out Yu 'ebao.

Reason 2: The balance treasure has been upgraded from one to three, which has dispersed risks and given customers more choices.

I believe that many friends should have seen it when they opened Alipay recently. Now that Yu 'ebao supports the upgrade, friends who want to manage money should keep their eyes open and see what the latest money funds have.

At present, the current wealth management with the highest rate of return has reached 4. 18%, which I think is a good choice.

Lowering interest rates and squeezing money out, Ma Yun didn't want these funds to go to other platforms, so two new current wealth management funds appeared. You can click on the balance treasure to have a look. Let the new fund diversify the investment risks of customers, and let customers maintain high returns, killing two birds with one stone.

Then, in the face of the reality that the yield of Yu 'ebao is declining, how should we choose?

We still have to decide your financial management according to your principal, liquidity, risk preference and rate of return. For Alipay, I think most of the small partners who deposit and balance the treasure have low principal, high liquidity requirements, low risk appetite and high required rate of return.