The income of Yu 'ebao does not come from Yu 'ebao, but from the money fund connected with it. Therefore, the interest-bearing method of the money fund is the interest-bearing method of Yu 'ebao.
Yu 'ebao calculates the seven-day annualized income, and the seven-day annualized income rate = principal * interest rate *7/365. For example, the current 7-day annualized rate of return of Yu 'ebao is 2.29%, and the principal is 65,438+10000 * 2.29% * 7/365 = 4.3565438. Then one month's interest income (calculated by 30 days) is: 30*0.6 1= 18.3 yuan.
Seven-day annualized rate of return refers to the data obtained after the annualized average income of the subject matter in the past seven days. At present, the seven-day annualized income is calculated by money funds and some net worth wealth management.
And what investors need to know here is that the income of Yu 'ebao is only calculated according to compound interest. Investors put their money into Yu 'ebao, and the income will arrive every day. The income received every day will become the principal of the next transaction, and they will continue to create income later, which is what we often call rolling interest (rolling interest calculated by the day), so the actual income of subsequent investors will be more than the income calculated according to the annualized rate of return.
Investors have the following advantages in depositing funds into Yu 'ebao:
1, good liquidity
The redemption of Yu 'ebao is not only real-time, but also can realize the interest income of wealth management, and at the same time directly use the funds for daily consumption, such as transfer, red envelopes, payment for daily life, etc. , with high liquidity.
2. Less risk
Yu 'ebao is connected with the money fund, which invests in the subject matter with insurance clauses, such as deposits and certificates of deposit, so there is basically no loss, which means almost zero risk and relatively stable income.
3. Various options
There are many money funds connected with Yu 'ebao, so investors can choose the right money funds to invest and choose more.
4. Low trading threshold
The deposit of Yu 'ebao is generally from 1 yuan, and the trading threshold is relatively low.