I. Yu 'ebao

1. Needless to say, the benefits of Yu 'ebao can be accessed at any time and consumed at any time. Convenience is the best in the world. No matter how much the balance treasure is, the yield will not be treated specially. Therefore, for petty bourgeoisie, Yu 'ebao is an excellent financial product. At present, the seven-day annualized rate of return of Yu 'ebao is around 4%. Suppose you have 6,543,800 yuan, and 400 yuan keeps the balance treasure for one year. You have 6,543,800 yuan, and the balance treasure is about 4,000 yuan a year; You have 6,543,800 yuan, and the balance is about 40,000 yuan a year.

Therefore, for the balance treasure, the amount of income mainly depends on the amount of principal you deposit.

Second, banks.

In fact, for most national banks, many have developed products similar to Yu 'ebao, such as the quick profit of CCB, the super profit of China Merchants Bank and the treasurer's wallet of Xingye. These products are similar to Yu 'ebao, which can be accessed at any time, and the yield is slightly higher than Yu 'ebao. However, on the one hand, promoting such products will transfer more deposits to such products and increase their own storage costs, so banks do not promote them. The introduction of such products is mainly to let people who are interested in the money fund know that banks also have such products, reducing the scale of capital transfer to Yu 'ebao. However, the convenience of the bank money fund is not as high as that of Yu 'ebao, so it can't be directly used for consumption for the time being, and there is little difference in the yields between the two. Therefore, for small funds, I still suggest the existence of Yu 'ebao.

But for large amounts of money, I think it is better to deposit in the bank than to deposit the balance! Because the bank's financial yield is much higher than Yu' ebao.

The starting point of wealth management products of banks is generally divided into 50,000, 654.38+ 10,000, 300,000 and 654.38+10,000. The higher the starting point, the higher the interest rate. At present, the starting point of 50 thousand can reach about 5% As far as 654.38+00,000 is concerned, one year can be about 654.38+00,000 more than Yu 'ebao. If it is 6.5438+0 million yuan, many wealth management benefits are as high as 5.5%. Calculated by 6,543,800 yuan, you can earn 6,543,800 yuan more than Yu 'ebao in one year.

If the personal fund reaches more than 20 million yuan (the requirements of each bank are different, generally more than10 million yuan), the bank can also design a wealth management product for customers separately, and the interest rate is generally above 6%, so that the yield is more objective.

In addition, if the capital is more than 654.38+0000, you can also invest in trust products of banks, and the interest rate of trust products is generally above 8%, even higher than 654.38+02%. Of course, compared with bank financing, trust products are more risky, because many trust funds are actually backdoor financing of real estate companies. But as far as my personal experience is concerned, the trust rate of return within 10% has not appeared over the years, so its risk is controllable.

To sum up, I suggest that small funds can be put in balance treasure to facilitate payment, but large funds are still the first to be promoted by banks.