Is the balance treasure in Alipay useful? It is more cost-effective to put money in the balance treasure and deposit it in the bank for a fixed period of one year, with an annual interest rate of about 3.3%. 1, Yu 'ebao is a kind of money fund, the full name is "Tian Hong Fund Zenglibao", and the investment risk of the money fund is very small;

2. Controllable risk: Because the income can be seen every day, the risk is controllable and the possibility of loss is extremely small. If you see that the income is not ideal, you can redeem it immediately;

3. At present, the annualized income is about 4.8%, that is, the daily income of 1W yuan is about 1.3 yuan, which is lower than the income of medium and long-term wealth management products of banks and higher than the one-year fixed interest rate of banks;

You can invest in Yu 'ebao within 4.5W It is recommended to buy bank wealth management products above 5W.

5. After saving money into Yu 'ebao, be sure to keep your mobile phone, especially the mobile phone verification code, and don't tell anyone at any time; Don't go to phishing websites, don't open unknown links, don't be greedy and cheap, and ensure the safety of funds in Alipay or Yu 'ebao accounts.