All the 25, deposits are put into Yu 'ebao. Is there any risk?

I don't think there is any risk in general, but I share everyone's view. I think this is not risky, but it is unreasonable, which involves the issue of financial allocation.

If I had a deposit of 25, yuan, I might arrange it like this. First, I would take out 5, yuan for products with very good short-term liquidity, such as money funds and ultra-short-term wealth management products of banks (1-7 days). I will divide the remaining 2, yuan into two parts. 1, yuan will be put on wealth management products with a one-year to three-year term, and the annualized interest will be around 4-5%. I can buy mixed or index funds with the remaining 1, yuan by fixed investment. I hope my answer can help you.

All the funds of 25, yuan are put in Yu 'ebao. Although the risk is not great, I personally don't agree with this practice. Banks divide financial risks into five grades, which are usually marked as low risk, medium-low risk, medium risk, medium-high risk and high risk. Different risk levels have different risks for the corresponding principal. Then, why do you say that 25, yuan is fully put in the balance treasure, although the risk is not great, but you don't agree?

1. How does Yu 'ebao realize the interest? Here, we need to understand a problem. Yu 'ebao itself does not have the financial management function. What really has the investment and financial management function is the fund behind it, and Yu 'ebao actually plays the role of a "window". What about the fund behind it? They are all monetary funds, and their main investment direction is low-risk monetary investment. The risk level of the money fund is medium and low risk, and the principal bears lower risk.

therefore, if there is any risk in Yu' ebao, objectively speaking, there is a risk, but the risk is very low, and generally there will be no principal risk. After all, the investment direction of the money fund is the currency direction with low risk.

25, yuan and 25, yuan are all put in the balance treasure, which is not cost-effective. At present, the seven-day annualized rate of return of Yu 'ebao is around 2%. If nothing unexpected happens, the future will fluctuate between 1.5% and 2.5%. Although the annualized interest rates of various wealth management products in the market have dropped this year, the annualized interest rates of fixed-term low-and medium-risk grades are still much higher than those of money funds, generally between 3.5% and 4.2%.

in addition, the transfer of Yu' ebao has a certain limit. Therefore, if funds permit, you can choose from different products with the same risk level, which can effectively improve the annualized rate of return. You can also choose from time deposits with low-risk investment, and the annualized interest rate is not less than Yu 'ebao.

Rationality, stability and safety are the most important things in investment and financial management, and the annualized rate of return is expanded in low risk. Therefore, personally, if the subject puts all the 25, yuan in Yu 'ebao, although the risk is not high, it is unreasonable.

Let's talk about money funds today, and we'll call it cargo base for short.

when it comes to the arrival of goods, many friends may say that it is the balance treasure.

it should be said that the back end of Yu' ebao is connected with a cargo base, but not all cargo bases are Yu' ebao. There are many money funds, and the income is high and low, many of which are actually higher than Yu' ebao.

In fact, this money fund is not only suitable for beginners, but also a very important part of our normal family financial allocation, so let's take a look at these excellent qualities of the money fund and the goods base today.

The threshold for acquisition is low

First of all, the threshold for acquisition is very low. Whether you are 111 yuan or a point like Yu 'ebao, it is no problem for our normal family.

High security

The second one is security. Many friends, or the vast majority of friends, value this security most.

when it comes to the safety of the cargo base, we need to see where all the money in this cargo base is invested. Basically, it consists of the following components: 8% of banks are also markets, and we don't care what they do between banks. Anyway, it is the money that flows between banks; The rest are like national debt, bank bills, large deposits of banks, and some short-term bonds of the government.

It should be said that these institutions were invested by the Monetary Fund, and the first one will definitely not run away. What about the second one? The possibility of bankruptcy is also very small. Although banks are allowed to go bankrupt now, we have hardly heard any real cases of bank bankruptcy, so it is safe for the IMF to invest in these institutions.

Stable income

Then the next step is to look at this income. At present, the income of the money fund is basically around 3% per year. What is the concept? The benchmark interest rate for three-year fixed deposits is now 2.75% per year, and the money fund may be slightly higher than it, or around it.

High flexibility

Then some friends may ask: Why not deposit it in the bank? Why not buy the goods base? The most important thing is this article 4. The money base is a current wealth management product, which can be withdrawn at any time. When I use this money, I can take it out immediately.

It is precisely because of this quality that this monetary fund is not only suitable for these beginners, but it is good to put the money that may be used at any time into the monetary fund when we allocate our family finances. Usually, there is a profit in it, and we can take it out whenever we want to use it.

Some friends asked me, how much should I put in general, or what proportion should I put in the money fund?

This is basically a suggestion. For your reference, the monthly expenditure of a family is 3-6 times. If there are no special circumstances at home, such as children and the elderly, there is no big expenditure recently, 3-6 times is enough. For example, my family spends 1, yuan a month and puts 3, to 4, yuan in the goods base. I think it is more appropriate.

As we said just now, there are actually many money funds, so which one should we buy? In fact, I personally think it's enough to buy Yu 'ebao, or just pick one on WeChat's wealth management service. Because we pay a lot by mobile phone now, Alipay WeChat payment is still convenient.