Putting 200,000 in Lingqiantong will not guarantee the principal and interest like a bank deposit, but the risk is very low. First of all, what is Lingqiantong?

Lingqiantong is a financial management tool on WeChat that we use every day. When you open the WeChat wallet, you can see that the money we don’t need for a short period of time on WeChat can be transferred to Lingqiantong, which can generate income every day.

, and the income can be included in the principal to achieve the effect of compound interest, and the money in Lingqiantong can be used for daily consumption, which is very convenient.

Secondly, why is the risk of Lingqiantong said to be very low? In fact, when we transfer money to Lingqiantong, we are actually buying monetary funds, which is equivalent to purchasing the products of fund companies. WeChat provides such an entrance, while monetary funds are mainly for investment.

Cash products such as treasury bonds and deposits are very safe. At least so far, monetary funds have not experienced losses. Although monetary funds cannot guarantee principal and interest like bank deposits, their safety is also the same.

very high.

Finally, how much profit will there be from putting 200,000 yuan into Changqiantong?

A characteristic of money funds is that the daily income is not fixed. Currently, its 7-day annualized rate is around 2%. The annual income of 10,000 yuan is about 200 yuan, and the annual income of 200,000 yuan is about 4,000 yuan. Although this income is not considered

It’s too high, but it’s still much higher than a bank’s current deposit. In addition, it should be noted that the trading hours of monetary funds on working days end at 15:00 every day. Whether you want to transfer in or out, it is best to do so at

Complete it before three o'clock in the afternoon, so that the share can be confirmed or the account is received the next day.

To answer this question, we must first understand what Lingqiantong is.

Lingqiantong: Co-founded by Tencent Wealth and WeBank, it is a platform for Tencent to cooperate with multiple financial institutions to provide users with wealth management services.

It does not directly provide financial products, does not participate in investments, and does not assume risks.

Therefore, the financial products we see on Lingqiantong are provided by cooperative financial institutions.

Lingqiantong Financial Management invests in currency funds.

It has the lowest risk among all financial products except bank savings. Of course, the rate of return is relatively low, but it is very safe.

Moreover, the funds managed by fund companies are deposited in banks.

Not to mention safety.

In addition, WeChat also provides customers with four security measures: digital certificates, payment environment protection, security locks and privacy protection.

The most commonly used and practical ones are digital certificates and security locks.

There is also a "million protection" insurance.

Click to enter and you will see that WeChat official provides you with free security insurance during the entire process.

All WeChat payment accounts are supported. As long as there is a loss due to theft, you can get compensation, and there is no limit on the number of payments.

Therefore, the WeChat platform is highly secure.

There are two main methods for withdrawing money from your Lingqiantong account: withdrawing money to your bank card.

An account opened with Lingqiantong can only be bound to one of the bank cards under the user's name for deposit and withdrawal, so the withdrawal process will not be transferred to other bank cards; transfer to the WeChat change account, WeChat change account transfer is as safe as Alipay

The security is very high, and the bank card bound to WeChat is also under the user's name.

Therefore, no matter where the money flows, it is safer.

Of course, there are risks in investing, so you need to be cautious when managing your finances.

The low-risk, low-yield fund product Lingqiantong provided by large platforms like WeChat is relatively safe. Personally speaking, if you really want to try Lingqiantong, you can transfer a small amount first and experience it before deciding to invest.

How much, so that you can know it well.

The safest way is to deposit 200,000 yuan in ICBC. I also want to know the answer. There is no 200,000 yuan in WeChat. Is there any post about giving it a try?

[Laughing and crying][Laughing and crying][Laughing and crying] It should be safe. I have never saved so much and I have never tried it. Change Pass is not a fund!

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Lingqiantong is not a stock!

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Lingqiantong is not futures!

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If there is a risk in Lingqiantong, it may be that you accidentally spent it... and it is absolutely impossible to deduct hundreds of dollars at once, because the income of Lingqiantong is settled on a daily basis, and you can do it today

Get tomorrow's income, and the current positive income of Lingqiantong is generally 0.6-0.8 per ten thousand. That is to say, if you have 100,000 yuan, the positive income per day is 6-8 yuan. If the positive income is like this, then the negative income

It is within the range and cannot be much higher.

And the most important thing is that Ling Qian Tong and Yu'e Bao are one of the few financial products on the market that can protect capital. Although the official has not clearly stated this, since the launch of Ling Qian Tong, there has been no negative return. If that day

Lingqiantong has negative returns, which will definitely make the news.