Yu 'ebao needs to meet several conditions to replace the fund:
1. The total assets of Yu 'ebao are 0, and there is no available balance.
2. There is no balance treasure income in payment.
3. There is no red envelope related to Yu 'ebao.
4. The functions of Yu 'ebao family account and Small Wallet have not been opened.
Extended data:
Monetary funds are mainly used to invest in short-term monetary instruments, generally not exceeding 4 months, such as government bonds, bills, bank time deposits, short-term government bonds and short-term bonds issued by some large enterprises with relatively high credit or long-term bonds that are about to expire.
As can be seen from the above investment scope, the risks of the main products invested by the Monetary Fund are very low.
If the risk is low, the return will not be too high. Because low risk is accompanied by low income, and high risk is accompanied by high income.
The characteristics of money funds are low returns and low risks, but the liquidity of money funds is very good, which is reflected in two aspects:
(1) Redemption of money funds takes a long time to arrive.
Generally speaking, the bank card will arrive on the second trading day after redemption, and some third-party fund sales organizations or channels also support fast arrival, and the money fund will arrive immediately after redemption.
(2) There are no transaction costs such as subscription fees.
There is no need to pay any fees for the redemption and subscription of money funds, and we do not need to pay subscription fees and redemption fees for buying and selling money funds.
Won't the money fund generate losses?
First of all, no investment institution or fund company will explicitly promise investors that the money fund will not lose money.
The income of different money fund products of different fund companies is similar, ranging from 3% to 5%.
The balance treasure in Alipay that we often use is actually a money fund.
Now that we know that Yu 'ebao is a money fund, is there any money fund with better income than Yu 'ebao?
How to choose a money fund with higher income than Yu 'ebao?
(1) Step 1: Open Tian Tian Fund official website.
After opening the home page, we can drop down and see the column of "Fund Data", and then click "Monetary Fund", so that all monetary funds are selected by the filter.
(2) Step 2: Select "ten thousand yuan income"
This will sort from high to low according to the earnings per 10,000 shares.
Here we can see that some funds are followed by A and B, and A can be chosen.
In fact, the AB of the Monetary Fund represents the difference in subscription threshold:
A: The subscription threshold is relatively low.
B: The subscription threshold is relatively high, generally targeting local tyrants or professional investment institutions.
(3) Step 3: Select 10,000 copies with high yield.
When we choose a fund company, such as "Huaxia Fund Company", we can find its related monetary fund. Then choose 10 thousand copies with high returns.