What is the lucky treasure in the ant fortune? What are the benefits of treasure hunting? When investors open the Ant Wealth APP, they can see three options: Yu 'ebao, Lucky Treasure and Fund. How about Zhaobao? Is the income from treasure hunting high? The following small series will tell you.
It is ok to make a fortune.
"Lucky Treasure" is an open platform for investment and financial management tailored by more than 40 financial institutions (including banks, insurance companies and fund companies). ) On the basis that the principal of wealth management users is guaranteed, it has excellent qualifications and good reputation in the United Nations. On the "Lucky Treasure" platform, investors can buy all kinds of regular wealth management products issued by banks, funds, insurance companies and other financial institutions, as well as loan products issued by small and medium-sized enterprises or individual financiers.
At present, there are three main types of products on the platform: SME loans, fund products and insurance products. At present, there are two universal insurance products sold by Zhaocaibao, one with a term of 2 years and an expected rate of return of 6.7%; The other term is 3 years, and the expected rate of return is 6.9%.
It is worth mentioning that the parent company of Shanghai Zhaocaibao Financial Information Service Co., Ltd. is "Zhejiang Alibaba E-Commerce Co., Ltd.", that is to say, Zhaocaibao is another internet financial wealth management product officially released by Ali after the launch of Yu 'ebao. Its main function is "realizing", that is, regular wealth management products can be converted into current accounts at any time.
Zhaobao, ok?
Different from ordinary regular wealth management products, the regular wealth management products in "Lucky Treasure" can be converted into demand at any time, which means that money can be realized at any time when it is urgently needed. In the actual product operation, investors can realize the products held in Zhaocaibao, and the original product yield remains unchanged, and only need to pay 0.2% handling fee to the platform.
Different from the form of early withdrawal of time deposits, the realization of lucky treasure is to pledge the due principal and interest income of wealth management products through lucky treasure platform, resulting in new "personal loans" entering lucky treasure platform and new financing needs. The yield of this financing demand is the loan interest rate that investors need to pay. If investors subscribe, the funds can be realized.
Generally speaking, Alibaba, the "big tree" backed by Zhaocaibao, has high security. And the actual income is good, it is still worth investing. Realizing it at any time will greatly improve its liquidity. However, the loan interest paid during liquidation will reduce the specific income, so it is best to hold it at maturity.
What are the benefits of treasure hunting?
1. Lucky Treasure Platform has wealth management products with different maturities ranging from 5 months to 5 years. Users can choose different deadlines according to the arrangement of fund use.
2. The Lucky Treasure Platform has a variety of regular wealth management products with various yields. Users can lock in stable income for a long time and steadily increase value, but the yields and risks of different products are different.
3. The Lucky Treasure platform has a variety of wealth management products such as loans, insurance wealth management, fund wealth management, etc. The types are diversified, and users can choose according to their own financial preferences.
Take the products currently sold online as an example:
Personal loan product: the agreed annualized rate of return is 5.32% and the product term is 233 days. If you invest 654.38+00000 yuan in this product, the daily income is about 654.38+0.46 yuan.
Universal insurance products: the historical annualized settlement rate is 6%, and the product term is 180 days. If you invest 1000 yuan in this product, the daily income will be about 1.64 yuan.
Lucky treasure related
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