On the 7th, the annualized income was about 3%, which changed with the market fluctuation. Please refer to the page for actual income. Recently, the yield of online merchants' banks is around 2.5%-2.6%, and the seven-day annualized income 1.22 yuan is relatively stable.
Residual income calculation and arrival time: Thursday 14:30- Friday 14:30, enjoy the income on Monday, and check the income on Tuesday. From Friday 14: 30 to Monday 14:30, you can enjoy the income on Tuesday and check the income on Wednesday. Tips: It is most cost-effective to transfer money before Monday to Thursday 14:30.
If you have 654.38 million yuan left over, what is the interest after one year? At present, the surplus income is 1. 18, so the daily income of 65438+ ten thousand yuan is 1 1.8 yuan, and the annual interest is1.8× 365 = 4307 yuan. This is an estimate, and in fact it must be a little higher than 4307. It's too complicated to calculate interest, just know that under the condition of constant annualization, the income will increase day by day. ).
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At present, the income of Yu 'ebao 1 ten thousand copies is about 1. 1. If you deposit 10000 for one year, you will get 400 yuan's income, which is higher than bank time deposit. However, in order to stabilize the money market and ensure users' income, Alipay adopted the method of restricting purchases. At present, individuals can only buy 20 thousand. Let's talk about another money fund of Alipay, which is jointly created by online merchant banks and funds. The cash management product for small and micro enterprises and individual small and micro operators is a Yunshangbao monetary fund launched by Tian Hong Fund, which has the characteristics of low risk and high liquidity.
Your short-term liquidity can buy new products. If it is purchased as an operator, the maximum share of a single account is 6.5438+million yuan; If purchased as an enterprise, a single account can hold a share of up to 50 million yuan. At the same time, the single-day real-time redemption amount of the operator's personal account is 6.5438+0 million, and the single-day real-time redemption amount of the enterprise account is 5 million yuan, and the non-real-time redemption amount (t+654.38+0) is not limited, which will not affect the use of your working capital. Money funds have low risk, but they are not deposits. I suggest you buy according to your risk tolerance.