Current location - Trademark Inquiry Complete Network - Tian Tian Fund - Is it higher to deposit money in Yu 'ebao or in the bank?
Is it higher to deposit money in Yu 'ebao or in the bank?
The interest of Yu 'ebao is more than 10 times of the current bank demand; One or two years higher than the bank. The interest rate of Yu 'ebao is around 4%. However, the two cannot be compared. First of all, bank deposits are safer than Yu 'ebao, because Yu 'ebao is actually not a deposit, but a purchased fund, which is theoretically risky. In fact, banks also have similar wealth management products, and the income is even higher than that of Yu 'ebao, so in fact, the two are not comparable.

Extended data:

On May 20 18, Yu 'ebao issued an announcement on the client. From 0: 00 on June 6, 20 18, the quick payment amount of Yu 'ebao transferred to the bank card on the same day was adjusted from the daily limit of 50,000 yuan to 65,438+00,000 yuan, and the ordinary payment business (the next day payment amount) and consumer payment were not affected. On May 28th, 20 18, cathay pacific fund's Cathay Pacific Bao Li Monetary Fund will also be officially connected to Yu 'ebao. By the end of June, 2065438+2008, the total scale of six money funds of Yu 'ebao had reached 1.8 trillion yuan.

The income of Yu 'ebao is calculated in real time. Deposit today, calculate the income tomorrow and send it to you the day after tomorrow. Daily income is the principal of the previous day multiplied by the rate of return of the current day;

Income algorithm for a period of time (that is, interest calculation algorithm): principal and interest = principal *( 1+ daily average income) to the power of deposit days. 50,000 yuan was saved for one year (365 days), during which the average daily income was 1.3 (that's about it at present). Then the total principal and interest for one year = 50,000 *1.00013 to the 365th power, which is about 52,429.5, and the interest is still a little higher than that of the bank regularly.

But a friendly reminder, it is best not to deposit too much money online. Security cannot be guaranteed by one or two promises. For a large amount, if there is no other investment, it is recommended to deposit it in the bank.

How does Yu 'ebao save money?

How to transfer Yu 'ebao to 1 (the process of transferring Yu 'ebao through mobile phone Alipay), such as Huawei P30 and Android mobile phone, open the mobile phone client to log in to Alipay, click My and select Yu 'ebao; 2. Click Transfer; 3. Select the transfer-in method and transfer-in amount and confirm. Payment method and limit of Yu 'ebao by transfer: 1. Operate Yu 'ebao transfer on the computer, Lenovo computer V 14 10th generation Core Windows 10 system, Baidu search Alipay, log in Alipay to transfer money, and the transfer amount must be greater than 1 yuan (it can be a non-integer and the mobile phone can be less than1); 2. Balance: the maximum single payment is 999999; 3. Fast savings card: fast limit; 4. If the shortcut or cartoon limit exceeds the limit, it is suggested that the money can be recharged to the balance of Alipay account through online banking first, and then transferred to Yu 'ebao through the balance; 5. The actual payment limit is subject to the cashier's display; 6. Savings card comics: refer to the limitations of the comics themselves; 7. The transfer of Yu 'ebao does not support online banking, centralized distribution of treasures, and red envelope payment. Find someone to pay for it and pay in combination; 8. Hong Kong and Macao Yu 'ebao users only support the subscription of mainland savings cards with the same name or mainland savings card comics with the same name; Channels such as balance and online banking are not supported.