On the evening of August 11, Tianhong Fund issued an announcement that starting from 0:00 on August 14, the upper limit of Yu’e Bao personal trading account holdings would be adjusted to 100,000 yuan, and existing stocks will not be affected.

This is the next measure to reduce the limit since Tianhong Fund lowered the maximum limit for individual users of Yu'e Bao on May 27 this year.

Public data shows that most Yu’e Bao users’ financial management is mainly small-amount financing, with the per capita investment amount being only a few thousand yuan, far less than 100,000 yuan. Therefore, this adjustment will have no impact on the vast majority of Yu’e Bao users.

To put it simply, after the adjustment, if the user's money in Yu'e Bao is less than 100,000 yuan, he can continue to transfer funds; if it reaches or exceeds 100,000 yuan, he cannot transfer more funds.

Before August 14, if the money in Yu'ebao has exceeded 100,000 yuan, there is no need to transfer it out and you can continue to enjoy the benefits.

At the same time, Yu'e Bao transfers, consumption and income settlement will not be affected in any way.

After Yu'ebao has become the world's largest monetary fund, there is no need for Yu'ebao to pursue rapid growth in scale. The most important thing is to ensure the healthy and steady development of the entire fund.

After lowering the maximum personal holding limit this time, it is expected that the growth rate of Yu'e Bao will slow down appropriately, which will help them maintain a small and diversified positioning and achieve more stable operation, and will also benefit Tianhong Fund's investment management.

As for whether the maximum individual holding limit will continue to be lowered in the future, a relevant person from Ant Financial told the Economic Observer that there are no plans to continue to lower the limit.