The actual expected income of Yu'E Bao is calculated based on the expected income of 10,000 units per day. The calculation formula for Yu'E Bao's expected income is = Confirmed amount/10,000*Expected income of 10,000 units for the day.

Assuming that the expected return of 10,000 shares of Yu'ebao on that day is 0.6522, then the expected return of 5 million Yu'e Bao in one day = 5000000/10000*0.6522=326.1 yuan.

If the daily expected income of 10,000 units of Yu'E Bao is 0.6522, then the annual interest of 5 million Yu'E Bao deposits is approximately 117,400 yuan.

However, in fact, the expected return of Yu'e Bao's 10,000 shares fluctuates daily, which means that the daily expected return of the fund is different. However, because the fluctuation of monetary funds is small, the past expected return of 10,000 shares of the fund can be used as the future expected return.

reference.

Yu'ebao is a balance value-added service and current fund management service product of Ant Financial, launched in June 2013.

Tianhong Fund is the fund manager of Yu’e Bao.

Yu'e Bao is connected to Yu'e Bao Monetary Fund under Tianhong Fund, which is characterized by easy operation, low threshold, zero handling fee, and can be withdrawn and used at any time.

In addition to financial management functions, Yu'e Bao can also be used directly for shopping, transfers, bill payments and other consumer payments. It is a cash management tool in the mobile Internet era.

Yu’e Bao remains China’s largest monetary fund.

On December 7, 2017, Tianhong Fund announced that it would adjust the single-day subscription limit for Yu’e Bao to 20,000 yuan, that is, no subscription applications with a single-day accumulation of more than 20,000 yuan in investors’ personal trading accounts would be accepted. This measure was implemented on December 7, 2017.

It will be implemented from 0:00 on December 8, 2017.

As of April 10, 2019, Yu’e Bao has completely canceled purchase restrictions.

(That is, the purchase of Tianhong Yu'e Bao Monetary Fund will no longer be subject to the single-day subscription limit limit of 20,000 yuan and the maximum individual holding limit of 100,000 yuan.) On January 31, 2018, Alipay released "Automatic Transfer of Balances to Balances"

"Bao Suspension Announcement", the automatic transfer function will be canceled from February 1, and the total daily subscription amount of Yu'E Bao will be set until all purchases are completed on the same day.

On May 3, 2018, Yu'e Bao newly added two currency fund products, "Bosera Cash Income Currency A" and "China Europe Gunqianbao Currency A" under Bosera and China Europe Fund Company.

On January 31, 2018, Alipay issued the "Announcement on the Suspension of Automatic Balance Transfer to Yu'E Bao". From February 1, the automatic transfer function will be cancelled, and the total daily subscription amount of Yu'E Bao will be set until all purchases are made on the same day.

On May 3, 2018, Yu'e Bao announced an upgrade, adding two new currency fund products, "Bosera Cash Income Currency A" and "China Europe Gunqianbao Currency A" under Bosera and China Europe Fund Company.

In May 2018, Yu'E Bao issued an announcement on the user terminal. Starting from 0:00 on June 6, 2018, the daily limit for quick transfers from Yu'E Bao to bank cards has been adjusted from 50,000 yuan to 1

Ten thousand yuan, ordinary transfers to bank cards (the credit limit the next day) and consumer payments will not be affected.

On May 28, 2018, Cathay Lei Shibao Monetary Fund, a subsidiary of Cathay Fund, will also officially access Yu’e Bao.

As of the end of June 2018, the total size of Yu'e Bao's six monetary funds has reached 1.8 trillion yuan.