Alipay's Yu'e Bao is connected to multiple funds, and the expected seven-day annualized rate of return of each fund is different. Therefore, there are differences in Yu'e Bao's returns. Some people's Yu'e Bao has higher returns, while others have higher returns.

People’s Yu’e Bao returns are relatively low, so how to replace Yu’e Bao funds?

Why can’t I change Yu’e Bao funds?

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How to change Yu’e Bao fund?

First, open Alipay, then search for Yu'e Bao on the homepage, click to enter Yu'e Bao, click on the seven-day annualized rate (%) on Yu'e Bao, and then find the replacement product in the fund details, then you can replace it. You can choose the one with higher returns.

Replace it or replace it with a currency fund that you are optimistic about.

However, it is worth noting that the 7-day annualized return of Yu'e Bao's currency fund is changing, not fixed. You can choose one with high return, but it is recommended not to change funds frequently.

Because changing the fund in Yu'e Bao is equivalent to buying a new fund, you will lose at least one day's income. Then when changing the fund, it uses three o'clock as a time limit, and the money transferred after three o'clock every day is counted as the second time.

The amount will be credited within 3 days, and it will take one working day for review.

Why can’t I change Yu’e Bao funds?

Because there may be frozen amounts in the Yu'E Bao fund, changes in identity information, or ordinary transfers and switching operations of Yu'E Bao within the two trading days before the current day, etc., it cannot be replaced.