I believe that most people have used Yu 'ebao, and they also like to store idle funds in Yu 'ebao. There are still many people who haven't heard of the change pass. There are several colleagues around me who only use Yu 'ebao. Every time they pay their salary, they have to mention the money in WeChat to the bank card, and then transfer it from the bank card to Yu 'ebao. Not only is it troublesome to death, but there are also a lot of handling fees to pay.
In fact, as long as we open the change pass in WeChat wallet, we can deposit the money in the change pass. Like Alipay, the change pass can also bring deposits, and the income is also received every day, and it is higher than Yu 'ebao. Compared with Yu 'ebao's annualized 2.59% on the 7th, the change pass has now reached 3.0 1%. The author put the income from answering these two months in the change list, and the daily income is 1.7 to 1.9 yuan, which is quite good compared with similar wealth management products.
I don't know whether readers prefer to use Yu 'ebao or change pass. Please leave a comment below to let more people see your opinion. Thank you!
As a person engaged in finance, I think it can be analyzed and considered from three aspects.
First, the change card is very safe. The change pass belongs to the money fund, which is risky, but the risk is very small and almost negligible. The money fund is operated by a professional investment team, and the investment team will choose to invest in the interbank market or the short-term bill market. This rate of return also changes according to the market interest rate, which is generally stable and has little risk. At the same time, behind the change pass is Tencent's strong support, so there is no need to worry about risks.
Second, the income of the change pass is relatively high. Compared with Yu 'ebao, the income of WeChat change pass will be higher, generally around 3%, and Yu 'ebao is generally around 2.5%. If there is a certain income gap, investors are more inclined to use the change pass. You can apply for redemption at any time during the service hours, and you can redeem it quickly every day 10000 yuan. T+ 1 RMB exchange 1 above.
Third, it is widely used. Now many shops and buses are using WeChat QR code to collect money, which greatly promotes the development of social payment methods. Many young people don't have much cash, so it's convenient to bring their mobile phones when they go out. At the same time, saving money in a change card can also have certain benefits.
So, will you use the change card or the balance treasure?
Yes, but not much.
At present, people who want to deposit money must first find a place where they can get change.
Click on the wallet in WeChat Pay, and then click on the wallet. Under the "Change" option, you will find something called "Change Pass".
There are rumors that the revenue of WeChat change pass will exceed Alibaba's Yu 'ebao. However, many people actually don't know that there is such a thing as WeChat change.
Because the WeChat team likes to do things step by step, it is often to find someone to invite the test on a small scale first. It was not until the end of last year that large-scale public beta began. Even on a large scale, many people are still not invited to test. Therefore, changing cards is a new thing, and it has not been long.
Fortunately, now, in our WeChat, there should be change (without WeChat, without mobile phone). But how many people really spend time and energy to study this kind of financial management?
Not necessarily.
Whether it is Alipay or WeChat wallet, in the final analysis, it is a product of the Internet and finance, and it is a new technology. Even though the streets are full of mobile payments now, there is still a long way to go before people can fully trust their financial management.
Generally speaking, young people and avant-garde may take the lead (maybe on impulse, maybe without careful study). But since the 1990s, most of them are moonlight clan, and how much they can save is unknown.
Many middle-aged and elderly people, it is good to be able to pay by mobile. It is more difficult for these people to learn financial management through the Internet. Probably, people born around the 1980s will survive. Personally speaking, it belongs to prudent financial management. So the money saved will not be much, so as not to suffer.
Although I also know that Alipay and WeChat are relatively safe compared with other Internet financial products. After all, as two giants in the field of mobile payment, the two companies have accumulated a huge amount of data, artificial intelligence, big data and other technologies.
But this only proves that it is safe to put money in theory. There is always an emotional part to being a man. Facing new things, there is always an acceptance process. So many people, including me, even if they put money, they won't put a lot.
Yes, it's already started, but it's not much, just enough for daily expenses and temporary emergencies. This is mainly on demand, which is good. Why not? Because I am a small business, I earn money every day, and I take out a certain amount of money from my account. Recently, I found that the financial links in WeChat are also good. I saved a little, too. It's financial management.
Welcome to comment below. ..
Judging from the "Internet baby products" launched by domestic third-party platforms, WeChat Bitcom and Alipay's Yu 'ebao are the most familiar wealth management products, and they are essentially money market funds. However, Yu 'ebao was listed earlier, and the change pass was 20 18 1 1, which was just officially launched for public beta.
In terms of security, there is basically no possibility of principal loss whether it is Yu 'ebao or Coin Pass. After all, it mainly invests in low-risk products such as bank agreement deposits and government bonds. Moreover, the change pass is regarded as a product directly aimed at Yu 'ebao, and it is also one of the most powerful market competitors of Yu 'ebao.
However, from the perspective of yield, WeChat Coin may be slightly higher. In the recent seven-day annualized rate of return, Bitcom basically hovered around 2.4%, but the yield of Yu 'ebao mostly fell below 2.4%. Generally speaking, it's almost the same, depending on which one you usually use. Suppose you use WeChat to pay for your daily consumption, you may wish to change a change pass, which can not only pay for consumption, but also manage wealth.
At present, the change card also supports red envelopes, credit card repayment, transfer and code scanning payment. If the funds are directly transferred from the bank card, they can be redeemed into the card, and the maximum daily redemption amount is 10000 yuan. However, there is no limit to the redemption amount in the form of T+ 1
In short, whether to change an account or not depends on your convenience. In the case of the same security, it mainly depends on the income. Because of the same liquidity, the daily redemption amount of Yu 'ebao is also adjusted to a single account 1 10,000 yuan.
Put it on, why not!
I put it inside after the ticket exchange slot was opened. You can use it directly as change and earn some interest by the way. The most important thing is that the income is higher than Yu 'ebao.
I have a fixed income on WeChat now. Although it is not much, it can't be spent every month. After a long time, it is also a lot of money. You can only spend it slowly before you put it in. Now that you have the change slip, you don't have to think about all the flowers. Just throw it in and use it slowly, accumulate it to a certain extent and then withdraw it as a whole.
Of course, there are also inconveniences in the change pass, that is, the change pass bought by WeChat can only be exchanged, and the bank card can only be refunded. These two pieces can't be opened, which is really inconvenient. This is probably what WeChat came up with to prevent us from evading the withdrawal fee.
Therefore, if you only want to earn the income from card replacement, or buy a card replacement with higher yield, my personal suggestion is to transfer it directly to the bank card. In this case, the money (including the earned income) will not be charged when redeeming the bank card in the future. Since the change pass also has the payment attribute, once it is transferred to the change pass, there is no need to withdraw money from WeChat change. Once you enter WeChat change, you will have to pay the corresponding withdrawal fee in the future.
In summary, WeChat change pass is still good, and the income is slightly higher than Yu 'ebao. At the same time, it can be used as a fund bought by buy buy at any time, which is convenient and practical! By the way, the change pass is also a product of a third-party fund company. The income of each company is different, and new users can choose more. You can choose a transfer with a relatively high interest rate.
Will it? I will anyway, just because the income of Yu 'ebao is too low now! Compared with WeChat change, the income will be higher. According to today's market, the 7-day annualized rate of return of WeChat change pass is 3. 1 18%, while the 7-day annualized rate of return of Alipay's Yu 'ebao is 2.548%. These two numbers are very different!
But "Yu 'ebao" and "Bitong" are two products after all, which one will be more suitable for us?
First of all, safety.
Both are money funds, backed by big trees, with low risk coefficient.
Second, income.
As we have said above, the yield of Yu 'ebao is 2.548%, while the yield of change in the same period is 3. 1 18%, which is convenient for change.
Three. Time and duration of redemption.
Both WeChat Bitong and Yu 'ebao are money funds, and the same daily limit of 10000 was quickly withdrawn. If it exceeds 10000 yuan, it can only be redeemed "generally" and can be redeemed at any time during the service time. Fast redemption will arrive on the same day; Ordinary redemptions are generally received on trading day T+ 1 (T day is before trading day 15).
Fourth, the handling fee
The funds transferred to the change card through the bank card can be transferred to the bank card for free, and the funds transferred from the bank card can be exchanged for change and then withdrawn. The withdrawal fee is charged according to the change withdrawal rules. According to the regulations, there is no handling fee for withdrawing money from bank cards within 1 1,000 yuan, and bank cards under the same ID card can enjoy a free amount of 1 1,000 yuan.
If the amount exceeds 1 0,000 yuan, a handling fee of 0. 1 yuan will be required to withdraw the funds from WeChat change/change pass to the bank card.
The change card can support credit card repayment, but it will pay a certain handling fee according to the WeChat credit card repayment rules, that is, 0. 1% of the repayment amount, and the handling fee amount is accurate to 2 decimal places, with the lowest 0. 10 yuan.
On the other hand, Yu 'ebao, the funds transferred from the bank card to Yu 'ebao do not need to be transferred out, but the funds transferred to Yu 'ebao in the current month cannot be directly transferred out of the card through Yu 'ebao, and need to be transferred to the balance first, and then withdrawn. At this time, there will be a charge for withdrawing cash.
Multiple AliPay real-name accounts under the same ID card can enjoy a basic free quota of 20,000 yuan for life. After exceeding the quota, a handling fee of 0. 1% will be charged, with a minimum of 0. 1 yuan per transaction. But ant points can be exchanged for more free quota, which is to increase the quota in disguise.
This is the difference between the two. I still prefer to exchange money, but I won't give up Yu 'ebao directly. What about you? Welcome to leave a message in the comment area to discuss ~
Of course, there are many advantages to the change pass. Let's have a look.
1, low risk
The bottom of the change pass is the money fund, and the risk is the same as that of Yu 'ebao, and the asset risk is low. Moreover, the money fund is provided by well-known financial institutions, and the moral hazard is low.
2. Good liquidity
You can purchase and redeem at any time, and you can quickly redeem 1 ten thousand yuan every day. The redemption amount exceeding RMB 654.38+RMB 0,000 will be paid on the next working day.
3. There are many kinds of optional monetary funds.
There are 14 monetary funds to choose from, which is more optional than Yu 'ebao.
4. The funds in the change card can be used as the balance, and the experience is good.
The fund of change pass is equal to the balance of WeChat, and the experience is good.
I saved thousands of dollars in small change. I wonder if you have ever used change?
During the Spring Festival, all kinds of investment channels are scarce, especially flexible investment projects are hard to find, and innovative deposits such as Fuminbao, "Japan" series, P and P2P are simply not available. So now I'm switching to Bitcom and Yu 'ebao, but the yield of Bitcom has dropped sharply recently.
I will put some change in the change slip for the following reasons.
If you take out WeChat change, you need to pay a handling fee of 0. 1%, and the small money is not worth taking. Put it in the change pass to earn some interest, which you will spend on shopping and telephone bills.
Now all kinds of shops on the street and even roadside food stalls can pay by WeChat, so it is necessary to deposit some money in WeChat change pass.
Compared with other money funds, the income of change is not the lowest, especially compared with Yu 'ebao, which seems to have been higher than Yu 'ebao recently. Therefore, both Yu 'ebao and change will save a little reserve fund.
At present, the T+0 quota of various "baby" money funds is only 65,438+0,000 yuan, but sometimes 65,438+0,000 yuan is really not enough, especially for stock market investment, so I will spread my funds among multiple T+0 funds, and changing cards is one of them.
What needs special explanation is that Yu. T+0 daily quota is RMB 654.38+10,000, but it needs to be upgraded to the latest version. For friends with high financial flexibility, you can refer to it.
I hope the above answers are helpful to you!
If I have money on WeChat, I will.
Bitcom has a higher yield than Yu 'ebao, and it is also the monetary fund of large companies, with high security and stable income. Why not?
The advantage of changing the pass is also more convenient. When paying, you don't need to turn around on the change and change pass. Wechat scan code transfer supports direct payment through change.
Compared with Yu 'ebao, although the income is slightly higher, there are several points to pay attention to in flexibility:
1. There is a limit for the single payment of the change pass, which is 1 ten thousand yuan. If you feel that it is too little, you need to install a payment certificate and adjust it to 50,000 yuan.
2. The change card can only be transferred to the cash transferred from the bank card, and the cash transferred from the change cannot be transferred to the bank card. Simply put, go back where you came from.
3. If the total transfer amount is less than 150 yuan, the generated income is too small to display. Therefore, it is recommended to be larger than this base.
In addition, from a practical point of view, the handling fee charged from change to bank card is more than that from Yu 'ebao to bank card.
Combine personal financial management methods and payment habits, choose the change management method that suits you, and don't have to compare with others.
(family fortune password: golden sickle)