Open the financial management page, and then click the words "prudent financial management" in the page.
Click the word "keep" at the bottom of the page.
In the page that opens, find the product you want to take out and click its name.
Click on the word "for sale" at the bottom of the page.
Click the word "sell now" that pops up in the dialog box.
Enter the selling share, and then click OK.
Check the sales results. If the word "Application Successful" pops up on the page, it means that the sound financial management has been successfully taken out.
Operating environment: Open Alipay (v 10.2.53) in the version of iphone 13 mobile phone ios 15.0.
"Steady income" financial management can be divided into four parts: regular financial management, insurance financial management, money fund and index fund!
Conventional financial management
Regular financial management is generally a regular open-ended pure debt fund with a certain closed period, and the minimum investment amount is 1 000 yuan, which is basically a popular product in Alipay. Product names often contain the words "30 days", "90 days", "month", "week" and "quarter", and the highest rate of return does not exceed 5.2%, which belongs to medium and low risk.
Although the income of this regular product is not particularly high, if the term is long, its expected income may exceed the cargo base. Speaking of debt base, the yield of a 60-day debt base owned by Alipay is 3.88%. The Fund is issued and managed by Huitianfu Fund and managed by China Construction Bank. The manager is a domestic public offering giant, and the tripartite custody is a state-owned bank.
In terms of income, as of June 30, 58.07% of funds invested in bonds, but since this year, the bond market has been in default, and the debt base has achieved more than 3% income this year.
insurance financing
As a financial institution, insurance companies can also issue wealth management products. This kind of insurance wealth management product is that the insurance company invests with the premium paid by the insured as the principal, and the investment income is distributed between the insurance company and the insured according to the agreement.
At present, Alipay has a fixed and open personal endowment insurance product, which is annualized at around 3.7% on the 7th. This product is issued by PICC in China for 7 days. In the last three months, its income reached more than 4% at the end of May, and steady financial management was not bad.
In addition, one of its biggest highlights is that the income of this product can also be earned, that is, dividend reinvestment. This is still quite rare in wealth management products.
Monetary fund
In addition to debt-based and insurance financing, goods-based menus are the most. Take the most familiar commodity menu Yu 'ebao as an example.
Yu 'ebao can be said to be the most familiar to everyone. Yu 'ebao is essentially a money fund. The money we deposit in Yu 'ebao will eventually enter the account of Tian Hong Yu 'ebao Monetary Fund. At present, Yu 'ebao is connected with two money fund products, namely "Bosera Cash Income Currency A" and "China-Europe Rolling Qian Bao Currency A" under Bosera and China Europe Fund Company.