What is the yield of Yu 'ebao bond?
For your reference, please refer to the daily rate of return data in the past month.
Seven-day average annualized rate of return: (The following data are the annualized rate of return of the same day/day)
1. 18:6.5 17%; 1. 19:6.48%; 1.20:6.46%; 1.2 1:6.423%; 1.22:6.398%
1.23:6.4 13%; 1.24:6.422%; 1.25:6.424%; 1.26:6.434%; 1.27:6.4 16%
1.28:6.44 1%; 1.29:6.432%; 1.30:6.36%; 1.3 1:6.293%; 2. 1:6.253%
2.2:6.205%; 2.3:6. 158%; 2.4:6.085%; 2.5:6.05 1%; 2.6:6.044%
2.7:6.096%; 2. 10:6.225%; 2. 1 1:6.263%; 2. 12:6.298%; 2. 13:6.334%
2. 14:6.3 1 1%; 2. 15:6.298%; 2. 16:6.286%; 2. 17:6.259%; 2. 18:6.24 1%
2. 19:6.220%; 2.20:6.20 1%; 2.2 1:6. 183%; 2.22:6. 165%; 2.23:6. 147%
Is Yu 'ebao bond risky?
1. Capital security from the perspective of anti-theft
First of all, no company dares to promise that its products are absolutely safe, because technology is constantly improving and there will be loopholes that have not been discovered before. Low risk does not mean zero risk. There is also a one-in-a-million chance of an accident by plane, but we won't stop flying because of this extremely low chance, will we?
Personally, I think it is very safe, because the funds transferred from Yu 'ebao are transferred to the bank card you are bound to.
This bound bank card refers to the bank card registered with the ID information you used when registering Alipay account, which means that only your own card can be bound with Yu 'ebao and transferred into the transfer-out relationship. Mainly considering safety, very reliable!
When transferring out, some banks transfer out in real time, and most banks will have a delay for a while, but it won't be too long. My personal experience did not exceed two hours.
If it is not directly transferred to the bank card, the cash on Yu 'ebao can also be directly used to repay credit card arrears and Taobao shopping. There is no requirement for credit card repayment. You can put someone else's card into your account, and of course you can only repay it.
However, if others want to use your balance treasure to pay off their credit card debts, they also need: 1. Your account password, please press 2. Your Alipay wallet gestures to unlock, 3. Your payment SMS verification, as well as 4. If you set a transaction password, you also need your transaction password. If a strongman steals your mobile phone and has enough ability to solve these problems, you can also change your password before he cracks it! After all, under such multiple insurance, even the strongest people need time to crack it. During this time, I believe you can instruct Alipay customer service to stop the account operation, and at the same time report the loss to the mobile phone card and apply for a new card with the same number.
The average annualized rate of return is between 6% and 7%, which is not the highest. But the money inside is alive, and you can transfer it in and out at any time, which will not affect your unplanned expenditure. Especially suitable for people with few personal assets and unplanned spending.
2. Capital security from the perspective of investment
The essence of Yu 'ebao is a monetary investment fund. Let's just say. How many years have you been watching Huaxia Fund? This is also the stability of such funds, which can basically be said to be guaranteed.
The profit model of monetary investment funds is to invest funds in various fields according to a certain proportion and get returns. To put it simply, our fund holders entrust their own funds to fund investment companies for investment and gain added value. The guaranteed income announced by Yu 'ebao is 6%, which is very easy for money investment funds to achieve. Therefore, it is unlikely that Yu 'ebao will collapse. Because there are many kinds of funds, radical funds are more risky, and the publicity income is 10%. Compared with them, Tian Hong Fund behind Yu 'ebao is essentially a stable fund. Don't worry, it's safe.
Monetary fund is an open-end fund. According to the types of financial products invested by open-end funds, people divide open-end funds into four basic types: stock funds, hybrid funds, bond funds and monetary funds. The first two belong to the capital market, and the latter is the money market. Monetary funds mainly invest in bonds, central bank bills, repurchase and other short-term financial products with high security, also known as? Quasi-savings products? What are its main features? Worry-free principal, convenient demand, regular income, income per diary, monthly dividend? .
There are some risks in money fund investment, but compared with other investment methods, the risks are still relatively small. The risk of money market funds comes from the short-term bonds they invest in and the changes in market interest rates. When the market interest rate suddenly changes and the short-term bond interest changes, the fund fails to adjust in time, resulting in a decline in overall income. There is also the risk of competition from its own industry, and the calculation of its seven-day annualized rate of return is based on the most favorable price of the fund company in the income curve of the day. Causing the difference between quoted income and actual income.