Many friends like to put all the money they don't use in the short term in Yu 'ebao, or even large amounts of money they don't use for a long time.

This is a misunderstanding that Yu 'ebao is a financial product suitable for the medium and long term.

In fact, the yield of Yu 'ebao has been declining since 20 18. At present, most of the yield is between 2.5% and 3%, and the yield has no advantage in the current market.

Yu 'ebao is only suitable for small change financing, not for large funds and long-term financing, because the yield is too low.

For a low-risk enthusiast, the simplest thing is to deposit funds within 1000 yuan in Yu 'ebao for daily expenses.

More than 1 0,000 yuan is used to purchase regular wealth management. Usually, you can use flowers or credit cards first, and then use the deposit to pay back the money when it expires!

This can make use of the time difference to earn more interest, but at present, the yield of this financial management method will basically not exceed 4.5%.

02 ordinary

Alipay's non-bank time deposit is actually a wealth management product, but the issuer is an insurance company and a securities company (the bank's wealth management issuer is mainly the bank itself).

At present, the yield of term products on Alipay is generally around 4%, which is slightly lower than the wealth management products of banks, but its starting point is only 1 10,000 yuan, far lower than the starting points of banks 1 10,000 yuan and 50,000 yuan.

The most valuable investment is its smart time deposit products in cooperation with small and medium-sized banks.

This kind of product has two advantages: the interest rate is high, and the interest is calculated by files.

High interest rate means that the deposit interest rate can be much higher than the general term, and relying on the file to calculate interest means not losing interest rate in advance.