Just last night (May 15), Yu 'ebao announced that it would adjust the cash withdrawal service: from June 6, the quick payment amount on the day of transfer to the bank card will be adjusted from the daily limit of 50,000 to10,000, and the ordinary payment service (the next day payment amount) and consumer payment will not be affected.
As soon as the news came out, fans were typing again. . .
Why is Yu 'ebao always making trouble recently?
Since last year, Yu 'ebao has lowered the maximum personal holding amount twice, from 6.5438+0 million yuan to 6.5438+0 million yuan. Since then, Yu 'ebao has experienced queuing subscription, launching a new cargo base, and lowering the T+0 withdrawal quota this time.
However, for successive adjustments, the understanding of the wealth management gang is that Yu 'ebao has begun to control the scale and prevent risks. First of all, this is a good thing. In recent years, the scale of Yu 'ebao has been climbing all the way. At the end of June 20 14, the scale was still 57.410.6 billion yuan. Up to now, the asset scale has risen to10.7 trillion yuan. You know, at the end of the first quarter of 20 17, the scale of fund offering was 9.2 1 trillion, and only Yu 'ebao accounted for 12%. Subsequently, Yu 'ebao became the world's largest monetary fund.
In addition, from the perspective of risk prevention in the whole financial industry, Yu 'ebao, as a benchmark product for babies, will eventually return to the property of "small but scattered" cash management, and the situation of Tian Hong's fund in Man Cang will also end. According to the data released by Yu 'ebao in August last year, the per capita purchase share at that time did not exceed 4,000 yuan, and "putting all the money in Yu 'ebao" was a minority after all. There may be a few users who have a great influence on the withdrawal time of T+ 0.
Some netizens who look at it calmly are also slowly adjusting their investment ideas.
Which income of BATJ Baby Fund is the highest?
Similar to Yu 'ebao, WeChat Wealth Management, JD.COM Wealth Management and Baidu Wealth Management all have corresponding baby money fund products.
One of the reasons for the popularity of Yu 'ebao is its convenient access and many consumption scenarios. While consuming, the balance held is still profitable. For example, scan code payment for offline shopping, online purchase of wealth management products, and purchase and recharge of water, electricity, gas, flowers and credit cards in buy buy on Taobao. ...
With the announcement of quota, time limit, access restrictions and other measures, the convenient access of Yu 'ebao has gradually weakened. However, in order to recover the influence caused by the limited monetary fund of Tian Hong Yu 'ebao, Yu 'ebao has also launched two products, namely Boss Cash Income Currency A and Central Europe Rolling Qian Bao Currency A, with no time limit and quota for the time being.
Compared with Yu 'ebao, the consumption scenes of the other three products are slightly insufficient, among which the relatively rich is the small treasury products under Jingdong Finance. Among them, the "pocket money" account can be used for shopping, IOUs and credit cards in JD.COM Mall, while the "wealth management fund" account can be used for purchasing wealth management products.
In addition, the balance income of Tencent Wealth Management and Baidu is limited by its own ecology, and the scene is limited. For example, the "balance+"account of wealth management can choose one of the four monetary funds and can be used to buy other wealth management products. E Fund A corresponding to Baidu Yu 'ebao can be used to purchase regular wealth management products.
In addition, judging from the current income situation, the money fund corresponding to Tencent Wealth Management has obvious advantages. As of May 14, Huaxia Caifubao corresponding to Wang's "Balance+"account has been annualized by 4.663% in the last seven days, while the other three funds, Huitianfu Quanfubao, Yifangda Yifang Wealth Management and South Cash Connect E, have been annualized by 4.205%, 4. 169% and 4./kloc-respectively.
The annualized rate of return of the "wealth management fund" of Jingdong Small Treasury in recent seven days is 4.309%, and the annualized rates of return of "pocket money" corresponding to Penghua-Xingxinbao (pocket money), Jiashi-HuoQian Bao (pocket money) and Penghua-Zengbao (pocket money) are 3.844%, 4.08% and 3.79% respectively.
The 7-day annualized performance of E Fund A corresponding to the "balance surplus" of Baidu wealth management is 4.0 17%, while the 7-day annualized rate of return of the money fund "Jiashi Huobao" in current wealth management is 4. 106%.
Before Yu 'ebao was upgraded, Tian Hong Yu 'ebao Monetary Fund, which was originally bound to Yu 'ebao, now earns 3.787%. After the upgrade, Wang subscribed for the Central European currency A, corresponding to an annualized income of 4.267% in seven days, while another product, Bosera cash income currency A, earned 4.02% in seven days.
Source: Phoenix Network Information