Jianxin Pension Feiyuebao in Alipay belongs to regular wealth management products. The fixed and open old-age security management product launched by Jianxin Pension Management Co., Ltd. is responsible for investment management. It has the characteristics of stable income, zero buying and selling rate and income. At present, the seven-day annualized rate of return is 4.5 1 10%, and the closure period is 30 days.
Everyone is familiar with Yu 'ebao. I'm afraid a lot of money for your education is in it. I want to say a few words here.
Yu 'ebao provides fund management services for Alipay. Investors deposit money, which is equivalent to buying money fund products. The upgraded Yu 'ebao has several money fund products for users to choose from, which has the characteristics of flexible access, low threshold and consumption payment.
The difference between the two wealth management products Let's sort out the differences between the two wealth management products:
1. Give in. The seven-day annualized rate of return of Jianxin Pension Feiyuebao is 4.5110%; The upgraded Yu 'ebao has several money fund products. The currency A of Jing Shun Great Wall Jingyi with the lowest annualized rate of return in seven days is 3.5%, and the highest currency A of Nuoan Tiantianbao is 4.11%. Then, from the perspective of the rate of return, the monthly pension fee of Jianxin is higher than that of Yu 'ebao.
2. Liquidity. Jianxin Pension Feiyuebao has a 30-day closure period and cannot withdraw funds in advance before the expiration; However, the money fund in Balance Baozhong does not have such a closed period, and it can be quickly transferred to the bank card within 654.38+0 million yuan on the same day. In terms of liquidity, Yu 'ebao leads Jianxin Pension Feiyuebao.
3. threshold. Jianxin Pension Feiyuebao starts from the lowest 1000 yuan; The money fund product 1 yuan in Yu 'ebao can be purchased. It can be said that on the threshold starting standard, Yu 'ebao wins Jianxin's pension Feiyuebao.
4. Limit. The daily limit of Jianxin Pension Feiyuebao is 1 1,000 yuan, and an appointment is required for purchase; The upgraded Yu 'ebao cancels the time-limited rules and can be purchased at any time. Yu 'ebao has fewer restrictions.
5. Consumer payment. Jianxin Pension Feiyuebao is unable to pay for consumption; Yu 'ebao has the payment functions of online consumption and offline payment. Therefore, Yu 'ebao is superior to Jianxin Pension Feiyuebao in this function.
Through the comparison of the above two wealth management products, I believe everyone should be clear about their advantages and disadvantages, so if the liquidity of funds is high and the function of consumption payment is needed, you can choose Yu 'ebao; If the amount of funds is large and in a long-term idle state, then you can choose to invest in Jianxin Pension Feiyuebao.
The income of Yu 'ebao is really getting lower and lower, and the annualized income in seven days has fallen to 2%. Of course, the product advantage of Yu 'ebao is not the rate of return. Can be used at any time, and the safety performance is very high. As a money fund, it is a "good tool" for small change financing, and the income of 2% is still much higher than that of demand deposits.
After Alipay transformed its financial platform, more and more wealth management products were recommended on the platform. One of them, "Jianxin Pension Feiyuebao", attracted public attention. Which product is better than Yu 'ebao?
0 1 Identity information of "Jianxin Pension Feiyuebao"! Behind the balance treasure is the monetary fund. "Jianxin Pension Feiyuebao" is a fixed and open personal pension security management product, which belongs to a kind of insurance financing.
"Jianxin Pension Feiyuebao", provided by Jianxin Pension Management Co., Ltd., is the first professional pension management institution approved by the State Council. China Construction Bank holds 85% of the shares, and the National Social Security Fund holds 15%.
From the company background, the background of "Jianxin Pension Feiyuebao" is very reliable, and its safety performance is still guaranteed. According to the information provided by Alipay, this product has a history of 100% payment of principal, and its income is stable.
02 Yu 'ebao PK "Jianxin Pension Feiyuebao" Next, let's compare these two products from three aspects: liquidity, risk and yield.
Yu 'ebao can be used at any time, and with the opening of Alibaba's internal payment channels, the use scenarios of Yu 'ebao are very rich. You can shop on Taobao and pay offline, and the liquidity is invincible.
Of course, the liquidity of "Jianxin Pension Feiyuebao" is not bad. As a short-term product with a 30-day cycle, although it cannot be withdrawn in advance, its liquidity is still relatively high due to its short term. In addition, "Jianxin Pension Feiyuebao" can be purchased every trading day, and there is no handling fee for product purchase, renewal and redemption.
Needless to elaborate on the safety performance of Yu 'ebao, "Jianxin Pension Feiyuebao" is a "medium and low risk" product. Although the nominal loss is not guaranteed, the probability of actual loss is extremely low.
Supervision requires asset management products to break rigid redemption and cannot promise to protect capital and interest. However, in order to reassure investors, financial institutions now use historical performance to dispel investors' concerns. The history of "Jianxin Pension Feiyuebao" mentioned just now is 100% payment, and the risk is relatively low.
For example, you can imagine Yu 'ebao as a bus, and Feiyuebao is like a long-distance bus. The main difference between the two is whether you can get on and off at any time, not safely.
At present, the overall interest rate level is in the downward channel, and the income of various wealth management products has shrunk. Of course, compared with the 2% income of Yu 'ebao, the income of "Jianxin Pension Feiyuebao" can exceed 3%, which is more advantageous.
Generally speaking, Yu 'ebao is suitable for small change financing. Living expenses, rent and all kinds of short-term money can be stored here, which can not only have certain income, but also have great liquidity. And "Jianxin Pension Feiyuebao" is more suitable for a slightly longer-term fund, and the liquidity is in exchange for the rate of return.
03 Investment Skills of "Jianxin Pension Feiyuebao" Since the purchase of "Jianxin Pension Feiyuebao" 1 0,000 yuan, Alipay platform will be put on sale irregularly. If you want to buy it, I'll give you some advice:
No wealth management product is comparable and can be as cost-effective as a commodity. For investment, risk and return are equal, that is, in direct proportion, and there are many forms of expression, such as rate of return, investment threshold, duration and risk of investment target.
Everyone has different risk tolerance and chooses different investment products. What is suitable for others may not be suitable for you. For example, I like to invest in stocks and funds, and you are a conservative investor who only keeps money in the bank or buys government bonds, so it is futile for me to talk about the benefits of investing in stocks or funds, because you don't recognize it at all. How can you understand it?
Regular wealth management products with expected rate of return are generally provided by banks, securities and insurance, while third-party payment platforms can only sell securities and insurance wealth management products, and the investment threshold is usually 1 thousand.
Many people will confuse CCB Pension Management Co., Ltd. and CCB Fund Management Co., Ltd., which are two companies and cannot be confused. Jianxin Feiyuebao is provided by Jianxin Pension Management Co., Ltd., and it is difficult to identify which company it belongs to, because the opening of the business is approved by the China Banking Regulatory Commission, and Jianxin Feiyuebao (docking with the individual pension security management product of Jianxin Tian Hong Hong Xin 1) is approved by the Insurance Association.
However, in any case, CCB Feiyuebao is an insurance wealth management product, and its risk type belongs to medium and low risk, which is higher than the low risk of the money fund. If investors can't accept bond funds, especially pure bond funds, then it's best not to invest in CCB Feiyuebao, because bond funds belong to medium and low risk, which is consistent with the risk level of CCB Feiyuebao.
The most taboo of investment is to regard the past as the future. If the past equals the future, there is no risk in investing in any wealth management products. However, no one can predict the financial crisis. When the financial crisis comes, there is little natural risk and less damage, that is to say, the money fund suffers less damage.
CCB Feiyuebao has a fixed term and its liquidity is far less than that of the money fund. As for the risk of the investment target, the risk of CCB Feiyuebao's investment target is far greater than the short-term monetary instruments invested by the Monetary Fund. For example, you can look at the investment scope in the portfolio manual, and you can invest in real estate, infrastructure and other investments. If there is a risk of bank run or default, investors may suffer losses.
The investment period of CCB Feiyuebao is 30 days, which does not mean that the investment target period of this wealth management product is only 30 days, and the 30-day investment target period cannot reach this income, let alone invest in real estate assets. This so-called 30-day period is only an open period, just like the money fund can be redeemed at any time. It doesn't mean that the investment target held by the money fund has a one-day term, but because it maintains a large cash flow, just like bank deposits and loans, as long as there is financial support, it can be withdrawn at any time, instead of the original money.
The same is true of CCB Feiyuebao. In the face of the financial crisis, everyone has no money to invest, so they should keep taking it out. Once there is no money to connect and fill the loopholes, there will be a risk of a run, resulting in a loss of wealth management products.
However, the liquidity of money funds is extremely high, especially if the investment period is within 120 days. Even under the impact of the financial crisis, the degree of damage is extremely low.
In short, it is the most important thing to suit yourself, not to listen to others' suggestions that it is better. Investment risk is directly proportional to income. If you want to get greater income, you must take greater risks. If we only consider the relatively fixed income without considering the corresponding risks, then investing in P2P with fixed income will have greater income, so why should we care about CCB Feiyuebao?
But then again, ordinary investors can accept the risk of CCB Feiyuebao, because many people ignore the corresponding risks and think that they can get back the principal and income in the past and will get back the principal and income in the future. If conservative investors, especially the elderly, recognize treasury bonds and bank deposits, then we should try risks and suggest choosing Yu 'ebao, because there are many low-risk wealth management products in Thunderstorm.
It is not a great thing to make money in a bull market. Bear market is a skill. No matter how big the stock market ups and downs, it is futile and incredible; How can we talk about risks without experiencing the financial crisis? Many people don't have much risk awareness.
Chief Investment Officer Commentator Menning:
In Alipay's regular financial management, there is a Jianxin Pension Feiyuebao, whose annualized rate of return is higher than that of Yu 'ebao 1%, which makes many friends feel more excited. However, due to the recent P2P lightning incident, everyone is worried that Jianxin Pension Feiyuebao will also be stormy or run away, so they dare not vote.
However, the author believes that Jianxin Pension Feiyuebao is indeed a good product, and everyone can invest with confidence. Here is a brief introduction to the features of this product:
1. Whether a wealth management product issued by Jianxin Pension Feiyuebao is reliable has a great relationship with the credit level of the product issuer.
Issued by CCB Pension Co., Ltd., CCB Pension Leap Treasure is a pension management institution jointly funded by China Construction Bank (accounting for 85%) and Social Security Fund (accounting for 15%) with the approval of the State Council. The company is legal and compliant and its background is hard enough. From this perspective, it can be trusted.
2. The investment direction of this product is mainly liquid assets, fixed income assets and alternative assets. The difference between Yu 'ebao and Yu 'ebao is that the invested assets have a longer term and cannot be accessed at any time like Yu 'ebao.
However, compared with Yu 'ebao, this kind of investment is obvious, that is, the rate of return is much higher than Yu 'ebao. The annualized rate of return of Yu 'ebao has dropped to 3.2%, and the rate of return of Jianxin Pension Feiyuebao is still above 4.2%, which is quite obvious compared with Yu 'ebao. This rate of return is matched with its input, which also shows that the product is true and reliable.
3. Investment Rules Jianxin Pension Fee Yuebao is a regular wealth management product, and its purchase rules are very different from Yu 'ebao. It will expire 30 days after purchase, and will be automatically redeemed to the balance after expiration (it can be set to be automatically carried forward to the next period).
This means that if you deposit it in CCB Feiyuebao, you can only redeem it on a fixed day every month, so the funds you need at any time are not suitable for deposit.
To sum up, if there are some funds that are determined not to be used in the short term, they can be deposited in the monthly treasure of Jianxin Pension Fee and enjoy a higher rate of return than Yu 'ebao. However, for funds that can be used at any time, it is recommended to put them in the balance treasure in case of emergency.
Feiyuebao has a one-year term and a one-month term. I invested in Feiyuebao's Bao Yue term, and the interest is about 3.40, which is 2.3 higher than Yu 'ebao. Feiyuebao's annual interest is around 4 o'clock, and it can be renewed and recovered after maturity. It's good.
Jianxin Pension Feiyuebao is a low-risk regular wealth management product, which has the following differences compared with Yu 'ebao.
First, Yu 'ebao is a regular wealth management product and Yu 'ebao is a money fund. Feiyuebao is a "personal pension security management product that is regularly opened" and belongs to regular financial management products. The issuer is Jianxin Pension Company, with a registered capital of 2.3 billion yuan. China Construction Bank holds 85% of the shares, and the National Social Security Fund Council holds 65,438+05%.
Yu 'ebao is a fund management service. Buying Yu 'ebao means buying a money fund. At present, there are 6 funds provided by different fund companies.
Second, Yu 'ebao is a little more risky than Yu 'ebao. Any investment and wealth management product has risks, but the risks are big and small, depending on whether investors can bear them.
Feiyuebao gives priority to asset safety and mainly invests in liquid assets, fixed income assets and alternative assets. The risk is medium-low risk.
Yu 'ebao's investment target is money market instruments, and the risk is very low.
Third, Yu 'ebao has better liquidity. As a regular financial product, Feiyuebao can only be redeemed when it expires, and there is no way to quit in this process.
As a monetary fund, the most prominent feature of Yu 'ebao is that it can be redeemed immediately. From July 1 day, the quick redemption limit of the monetary fund is 1 ten thousand yuan, and there is no redemption limit for T+ 1 day.
Fourth, Feiyuebao has a better income. This is determined by the negative correlation between the liquidity and profitability of financial assets.
The yield with good liquidity is generally lower, and the yield with poor liquidity can be higher. Just like bank savings deposits, the current benchmark interest rate is only 0.35%, while the one-year fixed interest rate is 1.5%.
The liquidity of Fei Yu 'ebao is worse than that of Yu 'ebao, so the yield of Fei Yu 'ebao is generally higher than that of Yu 'ebao.
Fifth, the convenience of purchase. Yu 'ebao has already docked six money funds. Except for Tian Hong Yu 'ebao, the other five funds are unlimited, and investors can buy them at any time.
It is quite fierce to buy Feiyuebao now, and the daily subscription limit is 1 0,000 yuan. If it is not arranged properly, there may be a waiting period. However, once the first purchase is successful, you can choose to renew the fee automatically after the expiration, so as to reduce the conversion cost and ensure the income.
It can be seen that from different angles, Fei Yu 'ebao and Yu 'ebao have their own advantages and disadvantages, depending on which point investors look at it. If you don't care about liquidity, you can choose Feiyuebao.
I happen to have Jianxin Pension Fei Yu Bao and Yu Bao at the same time.
Jianxin Pension Leap Insurance is a regular financial product provided by Jianxin Pension Management Co., Ltd., with a term of 30 days, low risk level and extraordinary purchase of 1 1,000 yuan. At present, the annualized rate of return for seven days is 3.458%.
From a safety point of view, it is definitely no problem. Jianxin Pension Management Company is the first professional pension management institution approved by the State Council. CCB holds 85% of the shares and the National Social Security Fund holds 65,438+05%, which is a holding subsidiary of CCB.
From the perspective of annualized rate of return, it is not as high as one-year fixed-term wealth management products (generally around 4.5%), but its fixed term is relatively short, only 30 days, and its liquidity is more advantageous than one-year fixed-term products, that is to say, giving up certain income to obtain better liquidity compensation.
If compared with Yu 'ebao, the situation is just the opposite. It is suggested that Feiyuebao should have a regular period of 30 days, and Yu 'ebao is equivalent to a current account, which can be transferred in and out at any time. Yu 'ebao actually bought a money fund, and its liquidity advantage is very obvious, but the yield of Yu 'ebao is relatively low. Take my own Yu 'ebao as an example. The annualized rate of return in the last seven days is 2.355%, which is much lower than that of CCB.
Therefore, Jianxin Feiyuebao and Yu 'ebao have their own advantages. If the funds usually needed are put in the balance treasure, it will be more convenient, that is, it can be used to pay the turnover at any time and get a certain interest. If you don't use it for a month or two, but you may use it after a month, you can get higher income by buying Feiyuebao.
I think both of them are good, because I bought them. When Yu 'ebao was in a hurry to find a substitute, she found that Jianxin Pension Feiyuebao was quite good, so she bought it. Which is better?
First, from the perspective of product attributes, CCB Pension Feiyuebao is a regular wealth management product, which is mainly for providing for the aged and lasts for 30 days. Yu 'ebao is a combination of various monetary funds and belongs to monetary funds.
Secondly, from the perspective of yield, the seven-day annualized rate of return of Jianxin Pension Feiyuebao is 4.5%, while that of Yu 'ebao is 3.5%, which is one percentage point less.
Third, from the risk point of view, both products are low-risk products, and there is no loss at present. Now that the rigid redemption has been cancelled, there is no extreme situation and there is basically no risk.
Fourth, from the liquidity point of view, Yu 'ebao is of course good, and it can be used to pay, or it can be withdrawn at any time, and the withdrawal is also very fast. It's not good for Jianxin pension Feiyuebao. You can't take it out within 30 days after purchase, and it's not convenient to take it out after expiration.
Comparing the above four aspects, each has its own advantages and disadvantages. It is suggested to choose suitable products according to your actual situation and strive to maximize the benefits in a limited time.
Thank you for inviting me!
Jianxin Pension Feiyuebao is a regular wealth management product in Alipay, which belongs to a fixed and open personal pension security management product. The annualized rate of return is about 4.6%, which is about 0.5% higher than Yu 'ebao on average. There is a one-month closed period, and the capital elasticity is not as good as Yu' ebao. Suitable for conservative investors whose funds are idle for a long time.
Four conclusions are drawn from the comparison between the two, which are recommended for investors' reference.
1, the nature of wealth management products is different, and Feiyuebao is more cost-effective. Yu 'ebao manages money regularly, and Yu 'ebao is a monetary fund, so their income is different, their risk degree is different, and their operation mode is different. Generally speaking, Feiyuebao has a slightly higher yield and is an upgraded financial product launched by Alipay, so it is more cost-effective to invest in Feiyuebao.
2. According to the needs of investors, the two can complement each other. Because of their different financial management methods, investors can invest in combination, and the funds needed for daily use can be put in the balance treasure, and T+0 and T+ 1 can be withdrawn and taken at any time; For long-term idle funds, you can invest in Jianxin Pension Feiyuebao to get more income.
3. There are two skills to pay attention to when investing in Feiyuebao. First, if you can't make an appointment in the morning, you must make an appointment from Yu' ebao, and you can enjoy the benefits of Yu' ebao during the appointment period; Second, this is a monthly product, but it is best to continue to invest when it expires, otherwise there will be no interest on buying and redeeming it within two working days, and the income is no different from that of Yu 'ebao.
4. Regarding the safety of Feiyuebao, investors can rest assured. Many people don't understand the investment risks of Feiyuebao, and even the recent P2P storm is worried that it will affect Alipay's regular financial management. Such worries are totally unnecessary; they are totally irrelevant.
Although in theory, the risk of Feiyuebao is higher than that of Yu 'ebao, it can be said that the risk level of both is equivalent. As long as you rest assured of Yu 'ebao, there is no need to worry about Yu 'ebao. For example, you can imagine Yu 'ebao as a bus, and Feiyuebao is like a long-distance bus. The main difference is whether you can get on and off at any time, not safety.
The above are personal opinions and are for reference only, so the investment risk is at your own risk.
The subject is actually talking about two different ways of managing money. One is a wealth management product and the other is a money fund.
The risks are different, so are the natural benefits. Simply put, they all give the money to the management company to take care of it for you, but after getting the money you invested, they will invest in different investment tools.
Take Yu 'ebao as an example. The essence of Yu 'ebao should be clear to everyone. The money fund issued by Tian Hong Fund Company invests in monetary instruments, which is a very low-risk financial product. It is precisely because of the low risk of Yu 'ebao that the annualized rate of return it brings will inevitably not be very high. I query paused, and now the yield is about 2.0%.
Jianxin Pension Bridge is a serious financial product, and its investment targets include current assets, fixed income assets and some real estate. To put it bluntly, the risk of these assets in the whole investment field is not very high, but it is higher than the target of monetary fund investment. The higher the risk, the greater the possibility of principal loss. Therefore, the expected annualized rate of return can reach at least 4%.
In addition, the fund lock-up periods of Yu 'ebao and Jianxin Pension Bridge are also different. Yu 'ebao can be redeemed at any time, and it can be taken out directly if there is a capital demand. However, Jianxin Pension Bridge has a fund lock-up period. I saw two wealth management products in this series on Alipay, one with a fixed investment of 366 days and the other with a fixed investment of 364 days, both of which are basically around one year. This is called liquidity risk in the financial field, and accordingly, there will be risk return compensation, which is also reflected in the higher annualized rate of return.
As for the choice of the target, my opinion is that the investment risks of both have not been brought into play in the current financial environment (I mean at present), and there is basically no possibility of principal loss. Therefore, the choice should consider whether there is a demand for funds in the near future. It is suggested that the subject can divide the funds into two parts and put the money that may be spent in the near future into Yu 'ebao so that it can be taken out when using the money; Put the part of the funds that can't be used up in one year into the flying over of Jianxin Pension to get more benefits. This configuration can achieve both liquidity and profitability.