WIND data shows that in March of 20 18, the fund scale of Yu' ebao once reached 1.67 trillion, making it the largest monetary fund in China. Although the scale of Yu 'ebao has declined in recent two years, according to the latest data, by the end of the third quarter of 2002/KLOC-0, the scale of Yu 'ebao was only 764.548 billion yuan.
Compared with the peak period, the scale of Yu 'ebao is "waist-cut". However, from the perspective of the overall market, by the end of the third quarter, there were only 28 money funds with a scale of over 100 billion yuan. Although the scale of Yu 'ebao dropped sharply, it was still the first in the money fund market.
Moreover, even though the 7-day annualized rate of return of Yu 'ebao is only about 2%, compared with 4% in that year, the number of holders still reaches 712395438+0000000, which has exceeded 700 million. It can be said that China has a population of more than 700 million, which means that about half of the population keeps their money in Yu 'ebao. Some people even saved a lot of money in Yu 'ebao.
Daily income on the top of the balance treasure 1.24 million. According to the report released by Yu 'ebao in recent two years, from 2065,438+09 to the first half of 2026,5438+0, the largest holder of Yu 'ebao Monetary Fund has always been the same person, and there has been no change. Known by netizens as the "first list" of Yu' ebao. It is reported that the holder can get a daily income of 1.24 million yuan by relying on the income of Yu 'ebao.
Counting down, saving money in Yu 'ebao can "earn" 4.5 million yuan a year, and it is effortless to achieve the goal of "earning millions a year" that ordinary people dare not think about. Many people may want to make money from this, but it is difficult, because if you want to earn 1.24 million a day, you have to deposit a lot of money in Yu 'ebao.
Judging from the semi-annual report of Yu 'ebao, the share of holders is as high as 220 million. In other words, the holder has saved 220 million yuan in Yu 'ebao. This number is not a small number. It seems that if you want to earn millions a year, the first criterion you must meet is to have hundreds of millions of funds.
However, some people are curious, since there are hundreds of millions of spare money, why choose a better investment method? After all, the yield of Yu 'ebao is much lower than before. If you put your money in the bank, what more benefits might you get?
If there is a bank, how much money can it have? We can do a simple calculation. At present, the highest annual benchmark interest rate for bank time deposits is 2.75%. If you deposit 220 million yuan, the interest you can earn in one year will reach 6.05 million yuan, which is 6.5438+0.55 million yuan higher than Yu 'ebao.
Moreover, the annual interest rate of most bank time deposits will be higher than the benchmark interest rate, so the interest earned by saving 220 million yuan may be higher than 6.05 million yuan. Of course, there is no bank for a reason. After all, time deposits are far less flexible than Yu 'ebao.
Yu 'ebao can spend money at any time with Alipay, but the maximum interest rate for time deposits is generally 3 or 5 years, and it is still inconvenient to spend 220 million years. However, some people say that since this "single one" has been kept in Yu 'ebao for two years, it is no different from the existence of banks.
We don't know why this "number one scholar" has been "sticking to" Yu 'ebao. After all, even if the income of Yu 'ebao is low, 4.5 million yuan per year is enough.
Conclusion We don't know whether this "1No." will continue to "persist" now, because on June 65438+1October 14, 2022, the CSRC issued the latest draft for comments. As a large-scale monetary fund, Yu 'ebao will be included in the evaluation scope of important market funds, and there are many measures and regulations for such funds.
Some insiders have analyzed that after the introduction of this regulation, the annualized rate of return of Yu 'ebao may be further reduced. From this perspective, I wonder if "List One" will put this 220 million into Yu 'ebao? I don't know if you usually buy funds? Are you one of the users of Yu 'ebao? Do you have a better way to manage money?