Yu'e Bao trial funds cannot be spent, but the corresponding financial management income can be spent.
Yu'e Bao trial gold is a process of simulating product experience that allows users to fully understand the service through simulating the experience.
Users simulate the process of using a fund account to purchase fund shares, check fund returns, and experience the virtual experience that funds are not real capital.
The virtual income is calculated based on the 10,000 yuan income of the corresponding fund on that day. When using the trial funds, the corresponding virtual income income incentives are allocated according to the user's choice.
To put it in plain language: I will give you a random sum of money to put in Yu’e Bao for financial management. After 3 days, the principal (i.e. trial money) will be automatically invalidated, but the financial management income will be given to you for free.
There are many Alipay users now, especially the popular Huabei red envelopes and Yu'e Bao red envelopes by scanning the QR code some time ago. Many users have not yet activated the Yu'e Bao function. This activity is equivalent to deepening users' understanding of Yu'e Bao.
For friends who have always used Yu'e Bao to manage their finances, it can be said to be a great benefit. If you don't get it, you will get the profits for a few days.
Moreover, there are many people who are aware of financial management now, and everyone has witnessed the safety of Yu’e Bao. After all, Yu’e Bao is a watershed in investment and financial management risks. There is no doubt that you can invest with your eyes closed, so there are many people in this activity.
They all enjoy it too.
Especially for friends who prefer conservative financial management, choosing financial management methods with high flexibility and low risk such as Yu'e Bao and Ling Qiantong, with an annualized return rate of about 3%, has obvious advantages over bank demand deposits.
If you manage your finances conservatively, you can choose the following methods: 1. The annualized yield of government bonds is 3-4%, and the annual income of 900,000 can reach 36,000.
2. If the time deposit is divided equally between two banks, there will basically be no loss.
The yield ranges from 1.5-5.45%, which can be selected according to different banks.
3. Buy the government bond reverse repurchase when you are sure about it. Once you buy it, the yield will be fixed, and the stock exchange will provide you with a guarantee.
The one-day rate of return is between 0-50%, depending on the timing and luck of your purchase, but the long-term investment rate of return is between 2.5-6%.
4. Although monetary funds are risky in theory, in reality there will be no loss of principal.
Currently, the yield rate of monetary funds is between 2-4%, such as Yu'E Bao, etc.
5. P2B also has risks in theory, but if you choose a state-owned enterprise risk control platform, there is basically no risk. For example, Unbounded Wealth has a fixed annual return of about 10%, which has great advantages in low-risk financial management.