According to the data released by 1 June 71and Yu 'ebao 20 15, the annualized rate of return of Yu 'ebao on the 7th was 3.98%, which fell below 4% for the first time in the past two years. It is equivalent to 10000 yuan, and the daily income is about 9 cents+.

2. The annual income of bond funds is generally above 6%, which is higher than the interest of bank demand deposits and has the following advantages:

Ordinary investors can easily participate in the investment of inter-bank bonds, corporate bonds, convertible bonds and other products. These products have various inconvenient restrictions on small funds, and buying bond funds can break through this restriction.

(2) When the stock market is in a downturn, the income of bond funds is still very stable and is not affected by market fluctuations. Because the product income invested by bond funds is very stable, the corresponding fund income is also very stable. Of course, this also determines that its income is subject to the interest rate of bonds and will not be too high. The annual interest rate of corporate bonds is around 4.5%, and the annual rate of return can be guaranteed to be between 3.3% and 3.5% after deducting the operating expenses of the fund.

disadvantaged

(1) Only when it is held for a long time can it obtain a relatively satisfactory return.

(2) When the stock market skyrocketed, the income remained stable at the average level, which was lower than that of equity funds. When the bond market fluctuates, there is even the risk of loss.

The only advantage of Yu 'ebao is its strong liquidity. The redemption date of bond funds is generally T+ 1, T+2, and the balance treasure is generally received within 2 hours.