The essence and benefits of 0 1 For example, Alipay's flagship product, Yu 'ebao, is a money fund jointly launched by a fund management company and Ma Dad. Because the investment is bank time deposits, certificates of deposit, cash and short-term bonds within 1 year, it is safe and consistent with the characteristics of stability.
The income can't be satisfied, and the highest income per ten thousand copies is only 1.77 yuan. In other words, if you put 1 10,000 yuan into Yu 'ebao, you can earn 1.77 yuan a day, which is equivalent to an annualized income of 6.45%. This is obviously 8% worse than the income, which is the highest income. At present, the income per 10,000 copies of Yu 'ebao is only about 0.55 yuan.
Tenpay and Yu 'ebao are essentially the same. Whether it's cash treasure currency, money, or other varieties, it's a money fund. Stability is quite stable, but the rate of return is not high, and now the annualized rate of return is mostly below 3%.
As for bank wealth management products, they are also graded. From R 1 to R5, the income is getting higher and higher, and the risk is getting higher and higher. The relatively stable R 1 and R2 both increased by less than 8%.
02 "Financial Management" In Alipay, careful people will find that there is a menu of "Financial Management" in the bottom five icons. After the opening, there are many wealth management products, but most of them are money funds and bank time deposits. The highest income of these products does not exceed 5%, but there is one category that can be exceeded: funds.
Many funds in Alipay will earn more than 8%, but most of them are stock funds and hybrid funds. These funds invest in stocks and bonds, so the risk is undoubtedly much higher. However, among stock funds, there is a special fund called index fund, which is relatively less risky.
I bought index funds through fixed investment strategy in Alipay. Select several branches and fix them for several years, and the annualized income of each branch is above 10%. Especially in the past two years, the income of index funds has outperformed my stock income, reaching more than 20%. This is also unintentional.
My fund road, my income above 10% was not obtained out of thin air at once. At the beginning, I bought a few funds at random. There is a loss and a profit, and the loss does not earn much. The biggest time, I lost more than 400 yuan in just a few days.
From this painful experience, I made up my mind to start over. First of all, I emptied all the funds in my hand, whether it was earned or lost. Then learn about the fund. Because I always believe in one sentence: only knowing can make money, and everyone can only make money within their own cognitive range.
I have taken many classes and read some books, but it's not over yet. I entered another pit: practicing the big pit. I learned a lot of strategies, but it's no use doing nothing. At the beginning, I was slow to act because of my lost psychological shadow.
Later, a sentence saved me, "People are invincible when they practice." So, I began to act according to what I learned, and finally realized the annualized income of more than 10%. I was too lazy to make money when I thought about it later. what do you want to do?
Knowing and learning are one thing, and doing is another. I hope you don't waste money, study hard in class, and then sleep like me. Finally waiting to be woken up.
I wish everyone on the road of financial management, more and more stable, more and more income.