Five years ago, someone sent me a link, which was a Trojan horse. I didn't understand it at first, so I clicked on it. Soon after the opening, the money in my bank card will be deducted to 50 yuan every five minutes or so. I thought it was a disaster, with more than 2000 bank cards. Because the bank card is bound to Alipay, the other party must have cracked my bank card password through Trojan Horse, so I quickly transferred all the money to Alipay, always * *.
The next day, I took my bank card to the ATM to change my password. My bank card was frozen within two days after it was changed. It turns out that I changed my password and the other party tried to crack mine. It was finally frozen by the bank. It is estimated that the bank found that the bank card password is abnormal through IP. Later, I went to the bank to cancel my card. I dare not use that card again!
Don't click on a strange link, it's probably a Trojan horse!
I think people who are good at managing money now are good at putting money in Yu 'ebao, but most people's money is still in Yu 'ebao.
In fact, the yield of Yu 'ebao has not been high, and it is in the middle and lower reaches of the industry. For example, the money fund 100, the yield of Yu' ebao can be roughly ranked to more than 70.
What I'm talking about here is Tian Hong Yu 'ebao Monetary Fund. However, due to the large scale of Yu 'ebao, the regulatory requirements control the excessive growth of the scale. Later, Yu 'ebao made several rounds of purchase restrictions, and the upper limit of individual shareholding was reduced from 1 10,000 to 1 10,000. You can buy up to 20 thousand a day and grab it at 9 o'clock. Even so, the scale of Yu 'ebao is still growing.
Later, Yu 'ebao expanded its recruitment. Since May of 20 18, several money funds have been launched one after another. By February 20 19, there were 5 new money funds 15, and the original Tian Hong Yubao money fund was added, making a total of 18.
Let's take a look at the latest seven-day annualized rate of return of Yu 'ebao 18 Monetary Fund:
At present, the yield of Tian Hong Yu 'ebao Monetary Fund has fallen below 2.5% to 2.496%, and the yield of other monetary funds is also low, with a minimum of 2.378%. Although there is a money fund with a yield of more than 3%, I checked the Changsheng Tianlibao currency. The yield in the past was not high, and it was at the downstream level, so there is a high probability of falling in the future.
I have a lot of personal contact with financial management, so I don't put it in it, but many friends around me still put money in Yu 'ebao.
Why is the yield so low, and some people put money in Yu 'ebao? Safe and convenient.
Most people trust Alipay and Ma Yun, at least put their money in Yu 'ebao, and they are not afraid of losing money or running away.
There are still some people, especially women, because Yu 'ebao is more convenient. When shopping in Taobao and Tmall, you can pay directly with Yu 'ebao, or you can pay utilities, telephone bills, gas bills and credit cards. The money in the balance can be directly transferred to Yu 'ebao.
It's good to put the change in Yu 'ebao.
The annualized rate of return of Yu 'ebao in seven days is 2.6%, which has dropped by 1.6% compared with the highest level of 4.2% last year. If the principal of100000 yuan is put in, the income will decrease 1.600 yuan after one year.
Yu 'ebao's annualized rate of return fell below 2.5% on the 7th. Are there many people who don't want to put money in it?
To understand the income of Yu 'ebao, we must first understand the money fund. What is the relationship between the two? Yu 'ebao itself has no financial management function. What should I do if I want to have financial management function? Just find a partner who can manage money.
And this partner, if the risk is high, then the pressure of Yu 'ebao is great, the risk is great, and users are unwilling to deposit money. Therefore, Yu 'ebao can only find partners with low and medium risk levels. Looking around, what are the suitable products on the market?
Monetary fund. Money funds are mainly fixed-income investment currencies, with low risk level, and there is no risk of principal damage to some extent.
What I found is the current Tian Hong Fund. So, these two little friends are together. The division of labor between the two is also very clear:
As an extension tool of Alipay's fund deposit, Yu 'ebao serves as a connection entrance for users, connecting Alipay and money funds. Of course, it can now deal directly with banks. And present all the information to the user.
What about the money fund? As a product of income-oriented financial investment, the investment channels are low-risk products: bank deposits, certificates of deposit, national debt, reverse repurchase of national debt, trust, bank financial management and so on. The annualized rate of return of money funds is influenced by the annualized rate of return of comprehensive products in the market. If the annualized rate of return of the market is high, then the annualized rate of return of the money fund is high, but what if the annualized rate of return of the market is low? The annualized rate of return of money funds is low.
Of course, Yu 'ebao can find small partners, and other platforms can also find small partners. Pulled a lot of money funds as small partners. The mainstream money fund platforms in the market have different annualized rates of return.
At present, the annualized rate of return of the mainstream monetary fund platform is 2.4%-4.2%.
Therefore, in the process of the declining annualized rate of return of Yu 'ebao for seven days, many investors also chose to transfer their funds to other monetary fund platforms.
Take myself for example, I will still put my money in Yu 'ebao. Why? Because Yu 'ebao is convenient, fast and safe. In fact, Yu 'ebao's point of view does not regard it as a real wealth management product, but as the funds needed for daily life for small change wealth management.
In other words, the emergency funds used in daily life can be put on a safe and interest-bearing platform, which is more suitable and can make a reasonable profit.
Among all the platforms, I personally think that there are two platforms that are the most suitable, and one of them is Yu 'ebao. Yu 'ebao can pay Alipay directly. Now even roadside stalls can pay with Alipay, which is more convenient.
Therefore, the daily promised funds are placed in the balance treasure, which can not only earn interest income, but also make daily payments conveniently. Of course, Alipay is also safe and stable.
Therefore, even if Yu 'ebao's seven-day annualized rate of return is less than 2.5%, there are still many people who put money in.
In another case, the funds accumulated all the year round are more active in Alipay, and it is more convenient to use Yu 'ebao. What is this? It is the upstream service of Alipay, Taobao and Alibaba focusing on e-commerce. Merchants of Taobao and Alibaba have accumulated funds in Alipay all the year round because of business needs. Therefore, as a capital demand, funds will also be transferred to Yu 'ebao.
Therefore, even if Yu 'ebao's seven-day annualized rate of return is less than 2.5%, there will still be many people putting money in Yu 'ebao.
It's March 2065438+2009, and the annualized rate of return of Yu 'ebao on the 7th is 2.4050%, which is really lower than 2.5%. In addition to the macroeconomic impact, such a low income is actually caused by the strength of Yu 'ebao.
Think of ICBC, China Construction Bank, China Bank and Agricultural Bank. Some people have low-interest deposits.
Other financial platforms are indeed higher than Yu 'ebao, but Yu 'ebao has a brand. Despite this, the funds have not been used up, which is the main reason for the downward trend of interest rates.
If Yu 'ebao has no money, it will inevitably raise interest rates to absorb deposits. Dare to lower interest rates shows that the capital flow is still sufficient.
Similarly, most people don't take their money out and put it elsewhere. Because the change of Alipay account has become a habit, consumption habits and savings habits have been developed.
The interest rate of Yu 'ebao is really not as high as before.
This has also led to the imbalance in many people's hearts.
How can you just drop it?
Much lower than before,
Can you still put the money in?
My feeling is, why not?
You know, Yu 'ebao is equivalent to current interest.
You can check the current interest rate of the bank.
Comparatively speaking, do you prefer to put your money in the bank or Yu 'ebao?
The most important thing is to leave at any time.
No time, no place.
Is it so convenient to deposit money in the bank?
Of course, compared with stocks and funds, it is indeed a little low.
But it is safe. You don't have to worry about it.
Suitable for stupid investors.
The interest rate of regular products in Alipay is higher than that of banks.
Short time is more flexible. Although the interest rate of Yu 'ebao is low, it is much better than the bank demand.
Moreover, most people put their money in Yu 'ebao, and more consideration is given to the flexible use of funds.
Just as bank demand is higher than bank demand, normal people think about where to deposit their money.
Personally, I think Yu 'ebao is more convenient than the bank. Safer.
I don't know about the others,
I'm using it anyway
I don't know how others use Yu 'ebao, but for me, Yu 'ebao is a "transit station".
What is a "transit station"? That is, the funds are left here for a period of time. When they are useful, they will be transferred immediately, and when they are useless, they will rest here.
Yu 'ebao, as its name implies, is not a treasure that magnifies the amount. Some people regard Yu 'ebao as a "treasure" or a "wealth management treasure", which is very wrong.
What's more, I argued that "Yu 'ebao is more expensive than bank interest". I can only say that you don't know what a real bank is. Treating the benchmark interest rate as a "bank" can only show that you are too ignorant.
Yu 'ebao is just a small change financing tool, which has attracted 2 trillion yuan. This is simply a miracle, which shows that too many "Yu 'ebao people" lack financial knowledge. In fact, what is the difference between 2.5% Yu 'ebao and ordinary bank deposits? If you put 2 trillion yuan in the bank according to the certificate of deposit, the interest rate can reach 4.2%, and the annual loss is equal to 20000 * (4.1%-2.5%) = 34 billion, which is the income of Yu 'ebao.
At present, Alipay's time deposits, smart deposits of private banks and large deposit certificates of banks have much higher returns and higher security than Yu 'ebao. Therefore, if you use Yu 'ebao to manage your finances, you can consider transferring out.
I use Yu 'ebao. At present, it is mainly used for fixed investment of funds. The change received is put into Yu 'ebao, and then deducted from Yu 'ebao for fixed investment. Add less. If there are many, they will invest in other places according to the situation.
Another is to spend money to repay, which is still more convenient. You can also get a red envelope after using it. The money in Yu 'ebao has some income, which will be returned automatically when it expires, but this is mainly for convenience, and you can't make a fortune by it.
In addition, Yu 'ebao is also used to automatically pay the electricity bill, which is quite convenient. Never stopped using it after use.
Compared with before the start of Yu 'ebao, the yield did drop sharply, and many people chose to transfer assets. Next, I will talk about my views on why the income of Yu 'ebao will decline, the money fund better than Yu 'ebao and regular financial management.
In fact, the essence of Yu 'ebao is the monetary fund of Tian Hong Fund Company. What exactly is a money fund is bound to be in doubt.
Money fund is actually a kind of fund, which mainly invests money in bank deposits and bonds. In other words, if you buy a money fund, part of your money will be deposited in the bank and part will be bought in bonds.
Therefore, in contrast, the income of money funds (Yu 'ebao is only one of them) is slightly higher than that of bank demand deposits, because the original income of bonds (government bonds) is higher than that of bank deposits.
In the past, the reason for higher returns may be that fund companies gave all the returns to investors without charging any fees in order to promote this business. Now that the business is pushed away, it begins to charge, which in turn reduces the income. But this is a normal result, and the current income of the Monetary Fund is between 2% and 3%.
There are many kinds of money funds in the market now, and basically all fund companies, banks and large enterprises have implemented money funds.
You can make a choice after comparison, but the current rate of return of money funds (flexible access) will not be too different. Whether it is WeChat's change pass or Alipay's balance treasure, the income is basically the same.
In some fund companies, the money fund income is around 3.2%, which is higher than the other two. If necessary, you can consider investing in this money fund.
In order to get higher returns, you can divide your funds into two parts.
Part of it is used to buy money funds (similar to Yu 'ebao) to meet their daily needs and earn a certain amount of income to supplement their families.
The other part is used to buy regular products (also in Alipay), and the income is about 4%-5%, which can get higher income than the money fund. But this part of the money can't be used flexibly, so we should divide our assets according to our own situation.
In order to get more income, I suggest you learn relevant financial management knowledge, enrich your investment methods, and use a variety of investment methods to make your portfolio resist the existing risks.
Small scattered funds are deposited in Yu 'ebao, so don't worry too much about the rate of return! However, it is of little significance to deposit a large amount of funds of more than 6,543,800 yuan in the balance treasure, so you can choose other high-yield wealth management products.
In June, 20 13, Yu' ebao was sought after by the market with its characteristics of ready availability, flexibility and convenience, starting from 1 yuan, high income and powerful functions, and its total scale was once close to the 2 trillion mark! Since the second half of 20 18, with the continuous decrease of Yu' ebao's income, its financial attribute has become weaker and weaker. Now, the powerful use function of Yu 'ebao is extremely convenient and flexible, and the physical examination of customers is excellent. These are the main reasons why we really "prefer" Yu 'ebao!
At present, private banks offer "smart deposits" with low investment threshold, safe and reliable principal, quick redemption and high returns. The highest deposit interest rate is 4. 10%, which is10.6% higher than that of 2.5% Yu 'ebao Monetary Fund. But even so, it is still the best choice to deposit 6,543,800 yuan into Yu 'ebao!
As mentioned above, the income of Yu 'ebao is low (2.5%). If it is a large sum of money, I suggest you choose other wealth management products! For example, smart deposits, regular wealth management, structured deposits, certificates of deposit, national debt and so on of private banks. Even if they only earn 1.50% more, they can earn 1500 yuan more every year!
In fact, it is not only Yu 'ebao, but also other money fund platforms, such as WeChat's change service, Tencent's wealth management service and JD.COM's money fund. COM's coffers all see that their current yield falls below 2.5% or remains around 2.5%, so this is not the case of Yu 'ebao, but the situation of the whole market.
The main investment directions of monetary funds are bank deposits, bonds and bills. Bank deposits account for the main part. The interest rates given by these products determine the yield of money funds such as Yu 'ebao. Since 20 18, the central bank has lowered RRR five times in a row, releasing trillions of liquidity, enriching the bank's own fund pool, and the interest rate given by the bank's own funds has also decreased accordingly. Therefore, the yield of money funds on the market has declined to varying degrees.
In terms of yield, Yu 'ebao does not have any competitive advantage at present, because whether it is the bank's current wealth management products or various smart deposits of private banks, its yield is much higher than that of Yu 'ebao, and its convenience is not lost. If we simply consider the income, some people should quit Yu 'ebao and switch to other products, but it is not reliable to say that many people don't keep their funds in Yu 'ebao.
Many people invest in Yu 'ebao not because of its rate of return, but because it is convenient to consume and can be directly used for payment. At present, Alipay and WeChat payment are the two most popular payment methods in the market, and Alipay is applicable to a wider range of scenarios than WeChat. And many people think that Alipay is safer than WeChat (the security is actually similar, but Alipay has more advantages. Just like a bank passbook, people can clearly understand the changes of funds, but WeChat never reflects the remaining funds after each consumption, so sometimes too many purchases will make you forget whether your principal has been secretly reduced. This technology,
At present, the function of Yu 'ebao is more biased towards wallets, and financial management is only incidental. Moreover, its yield is still much higher than the one-year interest rate of most banks, so Yu 'ebao is still the first choice for most people. Although it has been evacuated, it is not much.
Now Jingdong Finance includes a series of other wealth management funds of the same T+0 type, and the interest rates are basically above 3%. Including the similar products launched by China Merchants Bank, the interest rate is much higher than that of Yu 'ebao and Yu Bao Li.
Therefore, the current Yu 'ebao is just a convenient transit point for us. My personal Yu 'ebao only stores a little pocket money as the primary payment method for daily consumption. However, at present, the vast majority of the younger generation prefer to spend money or borrow money, and the consumption function of Yu 'ebao is once again weakened.
In fact, looking at the regular wealth management products under the Alipay wealth module, there are many options to maintain the interest rate at around 4%, and the time period is basically 30 days. Tencent Tenpay also has the same similar product, which is much higher than the balance treasure you choose.