Income calculation formula = (balance treasure confirmed amount/10000)X every ten thousand income announced by the fund company on the same day. For the funds transferred to Yu 'ebao, our fund company will conduct "share confirmation" on the second trading day. The confirmed share and the fund company's income of the day will be seen in Yu 'ebao before the next afternoon 15.
For example, the annualized rate of return of our Yu 'ebao in the last seven days is 4. 109%. If you deposit 30,000 yuan, the daily income will be about 3.32 yuan. The income of Yu 'ebao is calculated as follows: 30,000 yuan multiplied by 4. 109% divided by 365 equals the daily income.
The rate of return is every year. This fund is a stock fund and has a strong correlation with the market trend. Different from money funds and bond funds, money funds fluctuate less, generally between 2-3%, while bond funds fluctuate less, with 20%, while equity funds may have 50%. The rate of return is a data and can only be used as a reference. No one can predict the future development trend and rate of return.
From the perspective of yield, the advantages of Yu 'ebao over bank deposits are not obvious. Although the interest rate of bank deposits has also dropped today, there are still many deposits with higher yields than Yu 'ebao. Basically, as long as it is a deposit for more than one year, the interest rate will be higher than the yield of Yu 'ebao, and the interest rate of 1 year deposits of some banks may also be higher than that of Yu 'ebao.
However, Yu 'ebao has never been a product based on time deposits, especially medium and long-term deposits. Because Yu 'ebao has the deposit and withdrawal function, it can be regarded as a demand deposit. If it is only the benchmark for demand deposits, the advantages of Yu 'ebao are still there, because the yield of Yu 'ebao is several times the deposit interest rate.