Yu 'ebao is a balance wealth management service created by Alipay, and it is also a wealth management tool that many people like. The following carefully recommended the daily income of 1, yuan from Yu 'ebao, hoping to help you.

the daily income of 1, yuan deposited in Yu 'ebao

At present, the annualized income of Yu 'ebao is 3.886%. If you deposit 1, yuan, the daily interest income is 1.43 yuan, and the one-year fixed interest rate of the bank is 1.5%. The interest income of Yu 'ebao is higher than that of the bank time deposit. The income is settled on a daily basis, and the starting price is 1 yuan. It can be consumed or transferred at any time, and it can be received within two hours. It is really convenient and flexible.

if you deposit 1, yuan in Yu' ebao, the daily interest income will be 1.43 yuan, and you can get more than 3 yuan in interest in one month, and more than 3,8 yuan in one year, which is still very good and more affordable than depositing in the bank. Calculation method of Yu 'ebao's income

You must have an Alipay account, if not, register one first, and then transfer the deposit in Alipay to Yu 'ebao.

after the funds are transferred to Yu 'ebao before 15 o'clock on the same day, it needs to be confirmed by the fund company for one day (not confirmed on weekends and national legal holidays). For example, if you transfer the funds into the balance book before 15 o'clock on the 5th of this month, you will start to calculate the income on the 7th (holidays will be postponed). Therefore, everyone should try to avoid buying Yu 'ebao money funds all day on Friday after 3 pm on Thursday, because the funds transferred during this period will not be confirmed by the fund company until next Monday, and the income will be calculated, which is equal to the previous Saturday and Sunday. The relatively cheapest buying time is before 3 pm on Thursday, because the funds transferred during this period will be confirmed by the fund company on Friday and the income will be calculated, and the income will be seen for the first time on Saturday.

fund companies are divided within Yu' ebao, which mainly collect the funds of all users of Yu' ebao and then invest them.

the daily income per 1, shares is announced by the fund company. Its origin is that the fund company invests your principal, and then the income of that day accounts for the proportion of the principal. For example, if you invest 1, yuan and the income is 5 yuan, the yield is 5% (5/1, = 5%).

you can see the seven-day annualized rate of return on the right side of the balance treasure page. The seven-day annualized rate of return means that the seven-day income is divided by seven and multiplied by 365, which is the income of one year. But to be honest, the seven-day annualized rate of return is not very useful for us to calculate the income of Yu' ebao. We don't have to look at the seven-day annualized rate of return, but look at the daily income of 1, shares. For example, today's income of 1, shares is 1.4493, so 1, yuan is 1.44 yuan.

the daily income of Yu' ebao is calculated by the formula: daily income = (confirmed amount/1,) * income per 1, copies, and the confirmed amount is the part of funds that you transferred to Yu' ebao and have been confirmed by the fund company. For example, at present, the capital you have in Yu 'ebao is 2, yuan, and today's income per 1, shares is .6549 yuan, so your income today should be: (2,/1,) * .6549 = 1.398 yuan. Every 1, income can be directly found in the balance treasure page every day, and no special calculation is needed. To prove the correctness of this calculation method is very simple. Just compare the actual value of your interest income of Yu 'ebao on that day with your calculation results to see if it is consistent, but it is generally close. Risk of Yu 'ebao

Money fund is a fund with the least risk, but there are still risks. Buying money fund is different from bank deposit, and bank deposit is zero risk. However, when buying money fund, the fund company does not guarantee that the fund will be profitable or profitable, which is why the interest rate of Yu 'ebao has been changing. The risks of Yu 'ebao mainly include:

1) money market risks and unstable returns;

2) personal account security, such as lost mobile phone and ID card, stolen account, etc.

3) Liquidity risk, that is, liquidity risk is also the risk of bank run. Tianhong Fund applied technologies such as big data and hierarchical characterization of users to build a forecast model for the purchase and redemption of Yu 'ebao, and then managed the liquidity risk of Yu 'ebao, which can realize the forecast covering T+, T+1 and T+3, and improve Tianhong Fund's ability to cope with redemption.

4) Regulatory risk

The scale of Yu 'ebao is indeed too large. After it is too large, some risks that don't look like risks at ordinary times may have a big impact. This may also be one of the reasons why the personal limit has dropped from 1 million to 25, and then to 1,.

On the whole, as a cash management tool, Yu 'ebao is a wealth management product with little risk, which is suitable for conservative investors. Operation process of Yu 'ebao

1. Log in to Alipay account? Alipay? Transfer in;

2. for the first time, you need to confirm the personal identity information, and click the confirmation information;

3. Enter the transfer-in amount and proceed to the next step;

4. Select the payment method for payment, and support quick payment (including cartoon) of Alipay account balance and savings card;