The daily income of Yu 'ebao is different, and its income calculation formula is = confirmed amount of Yu 'ebao/10000)* every ten thousand income of the fund company on that day. If you don't understand the formula, here is an example. For example, if the official income of 1 10,000 yuan is 1 .5312, then the actual income we can get that day is1*1.53/kloc-0.

Yu 'ebao is a wealth management product launched by Alipay. Its income is higher than the bank's current interest rate, and the income is calculated on a daily basis and can be withdrawn at any time, which is equivalent to the interest of current deposits but holding time deposits. So how is the income of Yu 'ebao calculated? Let me give you a few examples.

Effective time of Yu 'ebao's income

The fund company will confirm the money deposited in Yu 'ebao the next day. For the confirmed share, the income generated by the fund company on that day will be displayed in the balance book before 15 the next afternoon. Tips: Funds transferred after 15:00 will be confirmed for 1 trading day, but not for weekends and national legal holidays.

Noun explanation:

Seven-day annualized rate of return refers to the annual rate of return converted from net income per 10,000 fund shares in the past seven days, reflecting the profitability of the fund in the past seven days. Ten thousand copies of income refers to the amount of income realized per ten thousand fund units, which is the profit amount on the day of investment of 65438+ ten thousand yuan in common parlance.

The above is the calculation method of Yu 'ebao's income. Yu 'ebao also provides a salary transfer function, which can bind the salary card to Alipay and automatically transfer the funds to Yu 'ebao when paying the salary. In addition, now Yu 'ebao's personal account can be transferred to a maximum of 250,000 yuan.

In addition, the income of Yu 'ebao is compound interest, which means that the daily income is calculated by the principal of the previous day plus the income as the principal of the day, which can also be said to be compound interest. Today's income = * interest rate. Yu 'ebao is open, which means you can deposit it and take it out at any time. The income is also calculated according to the share confirmed by Yu 'ebao on the same day.

How to calculate the income of Yu 'ebao's 10,000 shares?

The calculation formula of 1 10,000 income is: daily income = purchased funds/10000* every 1 10,000 income announced by the fund company. Suppose Xiaoxi buys Yu 'ebao's easy payment currency, A 15000 yuan, and the income of ten thousand copies is 0.8754 yuan, then the actual income that can be obtained on that day is:15000/10000 * 0.8754 =1.31. Yu 'ebao invests in the money fund, and the daily income of the money fund is changing.

The difference between income and income is as follows:

1, different definitions:

Income refers to the total inflow of economic benefits formed by enterprises in their daily activities, which will lead to the increase of owners' equity, and has nothing to do with the capital invested by owners.

Income refers to the collection of natural or legal fruits of property.

2, the scope is different:

Income refers to the total inflow of economic benefits formed by individuals, including individuals or enterprises in their daily activities such as selling goods, providing services and transferring the right to use assets, which usually includes sales income, interest income, royalty income and dividend income of goods or services.

Income: generally refers to the total amount of personal production, including the inventory value that has not been sold and has not yet formed income.

3, the calculation method is different:

The income calculation formula is: the actual growth rate of per capita disposable income =/consumer price index-100%.

The income calculation formula is: net operating income = operating income-operating expenses-depreciation of productive fixed assets-product tax+

4. Different characteristics of accounting:

Characteristics of income: income comes from the daily activities of enterprises, not accidental transactions or events; Income is the total inflow of economic benefits unrelated to the owner's investment capital; Income will inevitably lead to the increase of enterprise owners' equity; Income only includes the inflow of economic benefits of the enterprise, excluding the money collected for third parties or customers.

Income characteristics: Accounting income is based on the actual economic business of the enterprise, which is obtained by selling products or providing services, minus the cost of actual sales income. It is based on the assumption of accounting stage. The cost of calculating accounting income is calculated at historical cost. Accounting income depends on the reasonable proportion of income and expenses during the period. Accounting income is bound by the principle of prudence.

5. Different influencing factors

Income is an important factor that directly affects the market capacity. On the one hand, income is influenced by the macroeconomic situation, on the other hand, it is influenced by the national income distribution policy and consumption policy, and income directly determines the purchasing power level of consumers.

How to calculate the income of Yu 'ebao?

According to the calculation method officially announced by Yu 'ebao, the first method is the income formula, which is equal to every ten thousand income announced by the fund company on the same day multiplied by 1. Suppose you deposit 1 0,000 yuan, then the income of 1 0,000 shares on that day is 1. 1, then the income of that day is *1.1=1. It's just that this income is not fixed. The second method is the seven-day annual interest rate. For example, if you deposit 654.38+ 10,000 yuan and the annual interest rate is 4.2% for seven days, then the income is 654.38+065.438+0.5. The annual growth rate is not fixed, it changes every day. In fact, the first method is the most intuitive and convenient to calculate. Method 3: The income of Yu 'ebao is compound interest, and the principal of the day before the daily income plus the income is the principal of the day. Daily income = * interest rate.

1 What is Yu 'ebao?

Yu 'ebao is a fund management service. Transferring to Yu 'ebao means buying a money fund and enjoying the income of the money fund; The money fund sales service will be supported by Ant Financial Online Banking, which will cooperate with a number of financial institutions to provide more financial options. Monetary funds are mainly used to invest in securities such as government bonds and bank deposits. When investors buy money market funds, it does not mean that they will deposit the funds as deposits in banks or deposit-taking financial institutions. The fund company does not guarantee that the fund will be profitable, nor does it guarantee the minimum income. The funds transferred to Yu 'ebao can not only earn income, but also be paid at any time, which is very flexible and convenient.

② What is the matter that Alipay deducts 1.88 every day?

Alipay is fined 1.88 yuan every day because Alipay users have opened Alipay pens. The general deduction amount of Alipay is 0.88, 1.88 and 3.88. The deduction of these amounts is made after the user opens Alipay every time, and the extra money is transferred from the user's account to Yu 'ebao, so that the user can enjoy the benefits of Yu 'ebao. Pen savings is a small tool for young people to save money launched by Yu 'ebao. The source of saving money for pen savings is mainly a single quick savings card deduction or savings card deduction, Alipay balance or Yu 'ebao deduction specified by users. Deduction from savings card, Alipay balance or Yu 'ebao: you cannot specify a savings card.

How to calculate the income of Alipay Yubao

The revenue algorithm of Alipay Yu 'ebao is as follows:

The daily income of Yu 'ebao is different, and the formula for calculating the income is =X for every 10,000 income announced by the fund company on that day.

Supplementary information:

1, daily income of Yu 'ebao = * ten thousand income of that day. If it is the overall income, you need to add up the daily income of Yu 'ebao. It should be noted that the income of 10,000 copies changes every day, so when calculating the total income, it is not the income of a certain day multiplied by the holding days. The income thus obtained is inaccurate.

2. In addition to 10,000 returns, Yu 'ebao also has an important indicator, that is, the annualized rate of return on the 7th, which is a short-term indicator of the Monetary Fund. However, many users often confuse the 7-day annualized rate of return with the 10,000-share income. The 7-day annualized rate of return is the average income level of the money fund in the last 7 days, which is the data obtained after annualization. For example, a money fund shows an annualized rate of return of 2% on the same day, and assuming that the income of the money fund in the next year can remain unchanged at the level of the previous seven days, then you can get an overall income of 2% if you hold it for one year.

3. Therefore, if a user invests in a money fund, ten thousand shares of income and seven-day annualized rate of return are the must-see indicators. These two indicators are often updated every day. Relatively speaking, the 7-day annualized rate of return is more accurate in predicting future returns, because it represents the changes of the money fund's income in the last 7 days, while the 10,000-share income represents the latest income of the day, which is of little reference significance to the fund's future income prediction.

Extended data:

I. Introduction to Alipay

Established in 2004, Alipay Network Technology Co., Ltd. is a domestic third-party payment platform, which is committed to providing "simple, safe, fast and convenient" payment solutions for enterprises and individuals. Since its establishment in 2004, Alipay has always regarded "trust" as the core of its products and services. It owns two independent brands, Alipay and Alipay Wallet. Since the second quarter of 20 14, it has become the largest mobile payment manufacturer in the world.

How to calculate the income of Yu 'ebao?

The calculation formula of Yu 'ebao's income is: income = * ten thousand income of that day. If there is a confirmed amount of RMB 6,543,800+in the account, and the income of 10000 shares on that day is 0.8, then the income of that day is *0.8=8 yuan.

Yu 'ebao is a balance appreciation service and liquidity management service product under Ant Financial, which was launched on June 20 13. He is the fund manager of Yu 'ebao.

Yu 'ebao is connected with Yu 'ebao Monetary Fund [2-3] of Tian Hong Fund, which has the characteristics of simple operation, low threshold, zero handling fee and ready use. In addition to the financial management function, Yu 'ebao can also be directly used for shopping, transfer, payment, repayment and other consumer payments. It is a cash management tool in the era of mobile Internet. Yu 'ebao is still the largest monetary fund in China.

Generally speaking, investors' income mainly includes interest and remuneration. Interest is fixed, and the reward part varies from platform to platform. When some platforms just go online or carry out activities, the interest on the reward part will generally increase.

The calculation formula is as follows:

1. Interest ={ 1+× annualized rate of return }× principal.

2. Reward = principal × incentive rate

At present, the interest rate announced by P2P platform to investors is generally annualized rate of return. This interest rate figure is not simply multiplied by the principal, that is, the return. On the contrary, it is determined according to the loan term. If the annualized interest rate given by the platform is 12%, the loan period is 6 months, and the actual rate of return is.

3. Calculation method of income-paying interest on a monthly basis and repaying the principal when it is due.

It is easy to understand that all interest income is calculated first and then returned monthly. After the project expires, the investor's principal will be fully returned. Take the investment loan as an example, the standardized annual income of the loan is 12%, and the term is 6 months. If the investor lends 10000 yuan and the actual income is X 10000 yuan X6 months =600 yuan, the interest will be paid at 100 yuan every month, and the principal will be returned after 6 months.

4. Calculation method of income: one-time repayment of principal and interest.

For this repayment method, it is generally suitable for short-term microfinance projects. This repayment method for investors and borrowers has a common feature, which is simple and clear, and does not need to be repeated.

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5. Calculation method of income-equal principal and interest.

Matching principal and interest is the sum of the total loan principal and final interest, that is, the total amount that the borrower needs to repay and then repay to the investor on a monthly basis. The prescribed repayment period.

From the perspective of investors, this repayment method has two obvious advantages:

1. Great fund flexibility: from the first month, investors can get so much principal and interest every month, and investors no longer have to worry about the situation that they can't repay the principal in time because of the long investment cycle. The fund has truly realized the advantage of flexible turnover of principal and interest matching projects;

2. High compound interest income: You can reinvest the principal and interest returned every month in other projects, and even a small amount of money can achieve high compound interest income for you. This is the best choice for you who are proficient in investment and good at "taking Qian Shengqian".

How to calculate the interest of Yu 'ebao?

Yu 'ebao interest =- 10000 or Yu 'ebao interest =- 10000× your actual funds usually can't get interest, which is also called investment income. For example, if your balance is 10000 yuan and the interest per 10,000 shares on that day is 1.4 yuan, then the interest of Yu 'ebao on that day is110000 *1.4 =1.4 yuan.

Extended data:

1. The funds in Yu 'ebao are actually money funds for purchasing Tian Hong Fund. What is generated in Yu 'ebao is not interest, but income. The income of Yu 'ebao in Alipay is calculated according to the yield of 1 10,000 copies on the day after the fund company confirms the share. Usually, every day, Yu 'ebao will announce the amount of income per 10,000 fund shares on that day, that is, the income of 1 10,000 fund shares. 10000 unit income is the profit on the day of investing 654.38+0,000 yuan.

2.20 17 years, the maximum amount of Yu' ebao was reduced from 250,000 to10,000: 201August 2007, and the Tian Hong Fund issued an announcement to adjust the personal holding from August 0, 2007. At the end of May, the upper limit of Yu 'ebao's personal trading account has been lowered to 250,000 yuan. Regarding whether the maximum personal holding quota will continue to be lowered in the future, Yu 'ebao said that there is no plan to continue to lower the quota.

Yu 'ebao lowered the maximum personal holding amount more than once. After two consecutive reductions, the maximum personal holding amount of Yu 'ebao was adjusted from 6,543,800 yuan to 6,543,800 yuan. 2065438+On May 26th, 2007, Tian Hong Fund issued its first adjustment announcement. From 0: 00 on May 27th, the maximum amount of balance treasure held by individuals will be adjusted to 250,000 yuan. He also said that other service functions such as the stock and transfer of Yu 'ebao are not affected.

As can be seen from the investment of Yu 'ebao, up to 83% of Yu 'ebao's assets are invested in bank deposits and settlement reserves, with a scale of about 1. 19 trillion yuan. Only 7.94% invested in bonds. There are many kinds of bonds, of which only 2.37% are invested in interbank certificates of deposit.

Comparison between Yu 'ebao and Bank Deposit Interest

Interest gap between Yu 'ebao and bank deposits: If Yu 'ebao's interest has not changed much now, and it is a large deposit of more than 6,543,800 yuan, the total interest income of Yu 'ebao after three years should be much higher than that of the bank's three-year time deposit. If compared with the interest of bank demand deposits, the interest of Yu 'ebao is more than 12 times that of bank demand deposits.

Yu 'ebao and bank deposit risk index: China stock market has the highest risk, and China stock market risk index is set as10; Yu 'ebao itself is a kind of fund. Although there is little loss, there is still the possibility of loss, so the risk index is set at 4, and there is only one risk of bank deposit: the bank card is copied and the password is stolen, otherwise there will be no risk, so the risk is 1.

The flexibility difference between Yu 'ebao and bank deposits: Yu 'ebao has strong liquidity and can be withdrawn at any time; If the bank's time deposit is withdrawn in advance, it should be calculated according to deposit interest rate, and the bank's wealth management products cannot be withdrawn in advance.

The starting point of Yu 'ebao and bank deposits is different: the amount that Yu 'ebao allows to deposit can be as low as one yuan; Bank deposits are divided into demand deposits and time deposits. The minimum starting point for demand deposits is one yuan, and the starting point for time deposits is 50 yuan.