1. Hope to improve the expected rate of return: Some old users of Yu 'ebao feel helpless when they see that the expected rate of return of Yu 'ebao is declining every day. Now, as long as you upgrade Yu Bao Li, you can purchase all kinds of money funds according to regulations, and the sales services of money funds are provided by online merchant banks, which is also very safe. From holding Tian Hongyun Shangbao to holding multi-currency funds, the expected income will definitely increase.

2. People who want to increase the quota: The quota here refers to people who want to increase the quick redemption quota. After the implementation of Alipay's new regulations, the fast payment amount of Yu 'ebao dropped to 6,543.8+0,000 yuan, which was totally 6,543.8+0,000 yuan different from the previous 6,543.8+0,000 yuan. Time. Many users put money in Yu 'ebao, which shows that they like its huge redemption service. If the quick redemption of Yu 'ebao is restricted, the market competitiveness of Yu 'ebao will be very small. After the upgrade of Yu 'ebao, the quick redemption amount can be adjusted to 654.38+10,000 yuan, which basically meets the quick redemption needs of most people.

3. Users who frequently use Yu 'ebao: Users who frequently use Yu 'ebao can get services after upgrading. Otherwise, the redemption limit and expected income will drop, and the advantages of Yu 'ebao's financial management will become smaller and smaller.

Not suitable for upgrading to.

1. Worried that after the upgrade, more fund companies will obtain personal information, increasing the risk of personal information disclosure.

2. Users who do not intend to continue to invest in the Monetary Fund.

3. Users who do not need to change financial management

Whether Yu 'ebao is upgraded depends mainly on the needs of users. If you are used to managing money with Yu 'ebao, then upgrading is necessary. But if you don't use Yu 'ebao often, it doesn't matter if you don't upgrade.

In Xi Cai Jun's view, the advantages of upgrading Yuli Baoli outweigh the disadvantages. Although the time rules of ordinary redemption have changed, the quick redemption limit after the upgrade of Yu 'ebao has increased to 65,438+10,000 yuan. Users can buy more money funds and improve the expected rate of return, which is much better than before the upgrade of Yu 'ebao NS.

After the upgrade, Yu 'ebao not only adjusted the quick redemption limit, but also allowed everyone to buy more high-quality money funds. In this way, Yu is definitely a better upgrade.