Yu 'ebao is actually Tian Hong Zenglibao Monetary Fund, which mainly invests in the currency and bond markets. Unlike bank deposits, Yu 'ebao has no fixed income, and its income is greatly influenced by the national monetary policy. The rate of return changes every day, and it is impossible to give an accurate figure of how much income there is in a year.

According to the historical income of Yu 'ebao, it can be calculated that the annualized rate of return of Yu 'ebao in the past year is 4.34%. Based on this calculation, the annual income of 86,000 yuan is 37.32.4 yuan.