1. What is Yu 'ebao?
At present, there are more than 300 million users of Yu 'ebao, of which rural users exceed 1 100 million. It can be seen that Yu 'ebao has been widely accepted by people, and some even regard Yu 'ebao as a bank. The reason for this is that many people still don't know Yu 'ebao. Yu 'ebao is a balance appreciation service and current fund management service product under Ant Financial, which was launched on June 20 13. Yu 'ebao is connected with Yu 'ebao's money fund under Tian Hong Fund, the fund manager of Yu 'ebao. In addition to the financial management function, Yu 'ebao can also be directly used for consumer payment such as transfer, repayment, payment and shopping. It is a cash management tool in the era of mobile Internet. At present, Yu 'ebao is still the largest monetary fund in China. Therefore, putting money in Yu 'ebao and bank savings seem to be two concepts, which cannot be confused or equated.
Second, the safety of Yu 'ebao.
As can be seen from the introduction of Yu 'ebao above, Yu 'ebao belongs to the monetary fund. So what is the safety factor? Throughout history, the money fund rarely loses money, only twice in history, once for Tianzhi Li Tiande, the money fund under Tianzhi Fund, and once for Huaan Fund. Monetary fund is the lowest risk of all funds, because it is a financial instrument with high safety factor and stable income, such as investing in national debt and bank deposits. Of course, putting money in Yu 'ebao is risky in theory, because the network environment is unsafe and an Internet account may be stolen at any time. However, according to Alipay's answer, the stolen balance treasure will be paid in full. Once the balance treasure is stolen, Ping An Insurance, the partner, will pay the full amount to the user through theft and rescue.
Third, the income of Yu 'ebao.
The daily income of Yu 'ebao is different, with the highest annualized income of 6.69% and the lowest income of 2.29% on seven days, which fluctuates greatly. Based on the current earnings per 10,000 shares (about 1. 10), it is equivalent to an annual interest rate of about 4.00%. Although the rate of return has declined in recent years, it is still much higher than the bank's current interest rate of 0.035%, which is equivalent to the bank's three-year time deposit interest rate. Its characteristics are simple operation, low threshold and zero handling fee, and it has its unique advantages. Therefore, for the landlord, Yu 'ebao is safe, flexible as a demand deposit, with a three-year fixed interest rate income and no minimum capital requirement, so it is feasible to deposit all the unused money in Yu 'ebao. Unless the landlord has higher financial requirements and higher risk resistance, he can also choose a wealth management product with higher yield, but for conservative investors or people who are particularly lazy, Yu 'ebao is still a good wealth management product. But for smart financial managers, of course, there are many better ways to invest and manage money, but high returns are bound to be accompanied by high risks.
Chief Investment Officer Commentator Wang Tiantian:
In fact, the essence of this problem is that Yu 'ebao is a good way to manage money.
In fact, for financial management, there is no strict sense of the above points.
Because financial management is investment, use Qian Shengqian to make your money appreciate more than inflation.
Different people have different risk preferences, different financial resources and different levels of knowledge and ability, so the financial management methods they choose are also very different.
Today, the annualized interest rate of Yu 'ebao is 2.9%, which is higher than the bank deposit rate. Therefore, Yu 'ebao is a better financial management method than bank deposits, but in fact, many people are still uneasy about Yu 'ebao, an online electronic financial management method. For example, some middle-aged and elderly people have a low acceptance of these new things, and bank deposits are a better way for them to manage their finances.
If the remaining money is rich every month, you can also choose to invest in some index funds, or choose to invest in some stocks when the stock market picks up in the future. Some stocks in the real economy are financial management options.
Choosing according to your own situation is the most important thing.
Yu 'ebao is actually a monetary fund product managed by Tian Hong Fund.
As for whether all the unused money can be transferred to Yu 'ebao every month, it should be analyzed from the aspects of operation, risk, income and liquidity.
Operation: The total amount per person is 6,543,800 yuan, and the daily subscription limit is 654.38+ 0 from February. Investors can no longer "freely" buy Yu 'ebao. In the past, investors wanted to buy Yu 'ebao, but since this year, Yu 'ebao has adjusted its subscription policy, that is to say, the daily subscription amount of Yu 'ebao began to be sold at 9: 00 every day. If investors buy it too late, it may.
Moreover, Yu 'ebao stipulates that the maximum subscription amount per person is 654.38+10,000 yuan, so if the funds exceed 654.38+10,000 yuan, it is impossible to put them all into Yu 'ebao.
If you miss the snapping time of Yu 'ebao, it is easy to waste capital gains. At present, major banks and major Internet platforms have launched "baby" cash management products, and investors can choose one as their own financial management channel after comparison.
Income and risk: the money fund has stable income and low risk, not just Yu 'ebao. Monetary funds in the market basically have the characteristics of stable income and low risk. Their investment targets are oriented to the money market and do not participate in high-risk areas, so the risk is controlled at a low level. At present, the average rate of return of the money fund is maintained at around 4%.
If you prefer low-risk investors, money funds such as Yu 'ebao are really a good choice. However, if you want to pursue higher income, the income of Yu 'ebao is far from meeting the demand. Investors with strong risk tolerance can put part of their funds in the money fund, and the other part can be used in investment fields with higher risks such as fixed investment of the fund to obtain higher returns.
Liquidity: it is flexible. T+0 withdrawal limit is RMB 65,438+0,000. Money fund is a highly liquid product, and Yu 'ebao, as a financial product under the payment system, can be used for payment, transfer and other behaviors in addition to financial attributes. However, it should be noted that the new regulations of that year stipulated that the maximum withdrawal amount of the money fund in a single day was 1 10,000 yuan, and large withdrawal required T+ 1 or t+2, depending on different types.
Before buying money funds, investors should estimate whether they have a large amount of funds, make preparations for withdrawal or expenditure in advance, or put the funds in 2-3 money funds respectively to meet the temporary capital demand of 20,000-30,000 yuan.
To sum up, whether all the funds can be put into Yu 'ebao depends on the above dimensions and the actual situation of investors.
Speaking of Yu 'ebao, there are many advantages;
The second is Yu 'ebao, which has convenient access and high interest rate;
Third, Yu 'ebao, the lower the threshold, the better the income.
Fourth, Yu 'ebao has two shortcomings:
Fifth, Yu 'ebao, the risk of loss is annoying.
Six said Yu 'ebao, network security is difficult to protect itself.
Seven said Yu 'ebao, scientific financial management creates miraculous effects;
Eight said Yu' ebao, it is a bad trick to pour the bag;
Nine said Yu 'ebao, it is better to save it properly!
Judging whether a thing is feasible depends mainly on your own actual situation, and only what suits you is the most feasible.
Therefore, judging whether it is feasible to put all the unused money into Yu 'ebao every month mainly depends on the use of your money.
First, people who need to keep their funds flexible and avoid risks can put all the money they don't use every month into Yu 'ebao.
The characteristic of Yu 'ebao is that the income is paid with the deposit, and now the annualized income of seven days is 1.5%, which is very suitable for investors who require flexible funds.
Second, it is not suitable for investors who want to obtain a higher rate of return and can sacrifice the flexibility of funds appropriately and take certain risks.
If you want to get a higher rate of return, then the financial products you can choose are:
0 1. Regular financial management, especially one-year regular financial management, generally yields around 4.5%. The only drawback is that once the purchase is not due, it cannot be redeemed in advance.
02. Pure bond funds, held for at least five years, can basically stabilize the average annualized rate of return at 6%.
03. The foundation's fixed investment is a necessary financial artifact for lazy people. By purchasing the average cost of holding positions for a fixed time and amount, the risk of holding positions can be reduced, so that the average annualized rate of return of a round of bear-cow conversion is above 10%.
To sum up, only what suits you is the best, and this sentence is also very suitable for financial management.
I think it's feasible. I transfer my salary to Yu 'ebao every month. When my salary reaches 65,438+million, I transfer it to Yu Bao Li. I usually buy some funds and short-term regular wealth management products from Alipay.
One advantage of transferring the money that can't be used up every month to Yu 'ebao is that you can withdraw money from it when you need it urgently, and you can also use it for consumption and payment at any time. It's better than putting it in a bank card with almost no interest, and it's impossible to meet the usual urgent needs on a regular basis.
I am a common people, and I have no spare money at all. It is better to have enough money to deposit a bank card.
Especially now, mobile payment is very common, so you don't have to leave a lot of cash on you.
That's what I did. I transferred to Yu 'ebao as soon as I paid the completion capital. When I usually spend money, I transfer the money to my bank card and it will arrive in one minute. Most of the time, it is paid directly by WeChat and Alipay, and there is also a pocket money in WeChat.
It is certainly feasible to put the money that can't be used up every month into Yu 'ebao. First of all, security is still guaranteed. Due to serious inflation and poor investment channels, the money in our hands has depreciated seriously. Besides, we can't leave any money on hand. It is convenient to deposit and withdraw in the balance treasure, and the interest is higher than that of the bank.
It's still good. Don't covet high interest rates and do things you are not sure about. It's good to know that you covet other people's high interest rates and others calculate your principal.