In the era of Internet finance, Yu 'ebao has attracted wide attention as a financial management tool. It attracts many investors because of its convenience and safety. However, the most surprising thing is its high interest return, especially the one-day interest earned by 1 yuan's investment. Is this true? This paper will analyze the one-day interest of 1 yuan Yu 'ebao from many angles.

First of all, for investors in 1 yuan, the interest earned in one day may not be too much. If the annualized income of Yu 'ebao is 1.75%. Take 1 yuan as an example, the daily interest will be about .47 yuan. Although this figure seems small, considering the large-scale users of Yu 'ebao, the total amount of daily deposits may be high, and the actual interest income will also increase accordingly.

Secondly, the interest rate of Yu 'ebao is related to the market interest rate. Yu 'ebao invests users' funds in a variety of financial products, including bank deposits, government bonds and money market funds. The interest rate fluctuation of these investment products will affect the income of Yu 'ebao, so the interest of Yu 'ebao will also fluctuate. However, in recent years, the Bank of China has continuously lowered the benchmark interest rate, resulting in a corresponding decline in the market interest rate and the yield of Yu 'ebao.

in addition, the one-day interest of 1 yuan Yu' ebao also needs to consider the inflation factor. Inflation refers to the declining purchasing power of money. Although the interest return of Yu 'ebao is high, if the inflation rate is high, the actual purchasing power may still be declining. Therefore, it is very important to consider the impact of inflation on interest income.

finally, for investors, the one-day interest of 1 yuan Yu' ebao may only be part of the interest income. Many people choose to deposit a large amount of money in Yu 'ebao to get a higher interest rate return. For them, 1 yuan's interest income is relatively small, which is not the main investment target.

to sum up, the daily interest of 1 yuan Yu' ebao seems to be small, but the actual interest income is still considerable in the case that a large number of users * * * deposit together. However, investors need to pay attention to the fluctuation of market interest rate, the influence of inflation on purchasing power and other factors, and treat the interest income rationally. For large investors, 1 yuan's interest income may be just the tip of the iceberg.