How about Tian Hong Yu 'ebao Monetary Fund? Advantages and disadvantages?
The biggest advantage is very stable. He is backed by Alipay, so users don't have to worry about being cheated. At present, many p2p platforms have seen companies suddenly close down, and users can't find a way to get their deposits back, thus losing their deposits in vain. The probability of this event alarm recovery is basically zero. Because there are many such companies, they will disappear without a trace. Therefore, at least this will not happen in Tian Hong, and security is guaranteed. However, the high risk, high income and safe Tian Hong means that its income is much lower than other p2p platforms. This is its biggest disadvantage. If you want to manage your money in this area, I suggest you go to your home first to learn more about the situation, and there will be some better platforms, and then decide how to manage your money after comprehensive consideration. I hope I can help you and adopt it.
What is the Tian Hong Fund like? The one who engages in Yu 'ebao.
Yu 'ebao mainly uses customers' money to make profits.
In the investment structure of Yu 'ebao Fund, investment bank deposits account for 92%, investment accounts for 7%, and other investments account for 1%. Among them, the deposit structure of Yu 'ebao Investment Bank is dominated by time deposits, and the proportion of time deposits of 1 month, 1-3 months and more than 3 months is 29%, 48% and 23% respectively. Demand deposits only account for 0.05%.
Analysis on the profit model of Yu 'ebao;
1. Yu 'ebao collects small funds into super-large funds through the Internet, and then obtains a higher deposit yield through agreement deposits, and then returns them to users. Yu 'ebao acts as an intermediary between banks and depositors and benefits from it.
Second, the income of Yu 'ebao business is mainly realized through "parasitism", and it does not have the strength and foundation for value growth. According to statistics from relevant departments, Yu 'ebao cooperates with fund companies, and on average, 90% of its assets are invested in bank deposits or insurance financing. Risk-free premium and excess profit target (mainly commercial banks) are its main characteristics.
What's the difference between Yu 'ebao and a money fund?
Yu 'ebao itself is a money fund. Yu 'ebao consists of Alibaba, Tian Hong Fund and Inner Mongolia Zheng Jun. Among them, Tian Hong Fund is a state-owned asset and the largest monetary fund company in China. The security level of Yu 'ebao is equivalent to that of major state-owned banks.
What kind of fund is the safest in Yu 'ebao?
The money fund inside is the safest with the least risk, and the products of several insurance companies on a regular basis are relatively safe.
Which is safer, saving money in Yu 'ebao or buying other funds with Yu 'ebao's money?
If you want to be stable and don't want to lose money at all, you can choose to put your money in Yu 'ebao. If you want to buy a fund or say that Bo Yibo will turn his bike into a motorcycle, then you can buy a fund. However, I prefer buying stocks to buying funds, because the risks are greater and the returns are higher.