1. Why does Yu 'ebao keep falling?
Take the Cathay Pacific Bao Li Monetary Fund accessed by Yu 'ebao as an example, its 7-day annualized rate of return dropped from 3.7 1% to 3.37% within one month.
Indeed, this range is still relatively large. In everyone's impression, money funds generally maintain an annualized rate of return of more than 4%. Why has 20 18 been falling?
In fact, in 20 18, the whole market of money funds was not very strong, not just Yu 'ebao. The reasons for this are diverse, both policy reasons and market reasons.
Second, the alternative products of Yu 'ebao.
Since Yu 'ebao is not strong, I would like to recommend some products that can replace Yu 'ebao today.
1. Investment promotion and Bao Li currency a
Although it is also a monetary fund, the annualized rate of return of China Merchants Zhaolibao Currency A is 4.02%, and the most important thing is to keep it above 4%. You can buy it directly at Alipay.
2. Protect and enrich the people
Fuminbao of Jingdong Finance is an innovative deposit product with the same security level as deposits, but the deposit and withdrawal yield is 4.6%, far exceeding Yu 'ebao.
In fact, as long as you find more in your life, you can still find many substitutes for Yu 'ebao. Although it may not be as convenient as Yu 'ebao, it is indeed a more suitable choice for those who value income more.