Peng Kun's theory is that it is customary to put a large sum of money into Yu 'ebao and some commonly used change into a change account. Why is this arrangement? There are two reasons for feeling:
First, Yu 'ebao was launched earlier than the change card, and it was not launched until June 20 13, so most people put their money in Yu 'ebao at the beginning. WeChat's change pass was only launched in the past year or two, and not every WeChat user has it. In fact, Teng Xun company stole some wealth management users from Alibaba. Because Yu 'ebao was launched early, I personally feel that security is better than WeChat's change, so I am used to investing large sums of money in Yu 'ebao.
Second, Peng Kun is used to using WeChat change cards when paying or distributing red envelopes in physical stores. Because the communication function of WeChat is better than Alipay, most people definitely spend more time playing WeChat than Alipay every day, so they are used to opening WeChat payment when paying.
As for 10 thousand yuan, the amount is not too big, and the change depends mainly on your own habits. Partial wealth management uses WeChat's change pass, and the current seven-day annualized rate is higher than that of Yu 'ebao. The current 7-day annualized rate of return of change pass is about 3.2%. Yu 'ebao's seven-day annualized rate of return is around 2.6%. Because Peng Kun Theory belongs to VIP users, only 2.89%.
From 20 18 to 12, Yu 'ebao launched a red envelope shopping activity. According to Peng Kun, the biggest red envelope won was 9 yuan. It is said that some people won dozens of yuan. It is estimated that Yu 'ebao has used this money-burning activity to attract many users these days. For ordinary people, regardless of the change pass or the balance treasure, the more discounts are given to ordinary people, the greater the advantage.
Yu 'ebao started relatively early, and Licaitong was a little late compared with the balance treasure.
However, judging from the current experience, I may recommend you to use the change card as a backup financial management tool. Of course, professional financial management must also buy long-term regular financial management.
The annualized balance treasure is much lower than the change pass. According to the latest data, the 7-day annualized interest rate of Yu 'ebao before the announcement was 2.63 10%, while the 7-day annualized interest rate of WeChat Coin Link was 3.0580%, much higher than that of Yu 'ebao.
Perhaps in everyone's eyes, Tencent has always been a penniless enterprise. Unlike Alibaba's regular holiday marketing, it can be said that it is very fun. For example, WeChat cash withdrawal charges, although Alipay has begun to charge now, it is true that Alipay has been doing free cash withdrawal service for a long time in the early days.
However, the wool is on the sheep, and Alipay gives you subsidized money. After all, people have to harvest wool in other ways. Of course, it is not necessarily to find users directly. Alipay can earn money back by looking for businesses, and now Yu 'ebao is also. Yu 'ebao made a lot of subsidies to expand its business in the early days, but in recent years it began to return to rationality. After all, it is impossible to give you long-term high-yield subsidies.
Now, whether it is cash withdrawal, bank card transfer, or payment through WeChat, Alipay and credit card, WeChat payment is much faster than Alipay. If in doubt, you can try to withdraw cash yourself, or even withdraw cash from Alipay first. In the end, WeChat will be faster than Alipay!
For such a product, which product is best to use, I think I will choose which one. Of course, whether the shoes are suitable or not depends on yourself and your feet.
Landlord, answer this question, I want to show you a basic income of my two accounts today. Let me help you analyze it from the perspective of using Yu 'ebao for five years.
I decided to help you analyze according to the following two questions:
1. I want to ask: Landlord, are you asking this question to achieve financial management through Yu 'ebao and change, and get higher income?
2. Landlord, do you prefer low risk or liquidity of funds?
1. If the landlord wants to earn income by these two relatively simple financial management, I think it is difficult for them to help you earn a lot of extra money. Their positioning is flexible payment, not helping us with special financial management, so the interest rate is very low. And because these two funds are too large, they have made certain restrictions on purchases. Banks and mothers also restrict them. Their daily income is about 1w yuan 90 cents. Recently, it has gone up a little because of floating, and you will see more. But in fact, there were very few before, giving me an illusion. I obviously put money in every month, but I found that the income of 10 is lower than that of September, because the money has been shrinking.
2. At present, the state has a quota for all funds to be transferred out, and only 10,000 can be transferred out quickly in one day. If you need money badly, all the funds are not suitable for you now. Because 1w is not a lot, if you want to save it, it means that your daily savings are not a lot, so you don't have to save it all.
Suggestion:
1. If the money will not be used for the time being, there is enough change to spend at ordinary times. 1w You can buy a regular or higher-yielding money fund;
2. If you don't know when to use this money, it is better to put Alipay's balance treasure; When you need money, you can transfer it directly to Alipay instead of to the bank card, so there will be no transfer restrictions.
3. If you value security, from the perspective of claims, Alipay has a long business hours and is a special payment software. If there is an unexpected claim, you can put it in Alipay.
Here are some other financial funds that I bought in Alipay for two years for your reference.
It's handy, I hope you can give me a compliment and touch it.
Because some income has not been updated this weekend, you can refer to my usual income, thank you. I wish you all an early success.
Wechat Bitcom is a financial function similar to Yu 'ebao launched by Tencent in June 20 18. At present, there are four funds embedded in Bitcom, namely Jiaji Li Jintian Currency, E Fund Management Currency, Southern Cash Connect and Huitianfu Quanbao Currency. These funds are all the same in nature, and they all belong to the money funds embedded in Yu 'ebao, and the security level is equivalent. If we want to discuss which is better. Mainly depends on the annualized income level and personal usage habits. For example, some people like to pay by WeChat, and they can choose change pass. Some people like to pay by Alipay, so they choose Yu 'ebao.
Judging from the embedded fund income of the two platforms at present, the highest embedded income in the change link is E Fund's wealth management currency, with an annualized rate of return of 3.2560% on the 7th and an income of 2,668,300 shares (bonds may expire on the 30th, so the income of 1 10,000 shares is particularly high, which is a special time value, and the average income of1.20,000 shares is around 0.89). The highest fund embedded in Yu 'ebao is Galaxy Yin Fu currency A, with an annualized rate of return of 3.69 10% on the 7th and a yield of 0.9378 per 10,000 shares.
Judging from the situation of the two financial platforms, Yu 'ebao has greater advantages, both in terms of the number of funds and the highest income of funds, which are better than the change pass. If only from the perspective of wealth management appreciation, 10000 Yuan of Yinhe Yin Fu currency A is deposited in Yu 'ebao, and the income is higher. If we want to consider the situation of payment and consumption, then I personally prefer WeChat change, because WeChat has stronger social functions besides financial management, so the daily use frequency of WeChat is much higher than that of Alipay, so it is more convenient to use change, but this does not mean that Yu 'ebao is not good. It all depends on personal habits and there is no uniformity.
Compare these two funds. The principal of 1 000 yuan, the annualized rate of return in the change is 3.2570%. If this rate of return remains unchanged, the annual income will be 325.7 yuan. In Yu 'ebao, the highest rate of return is 3.486%, and the annual income is 348.6 yuan, with a difference of only 20 yuan. There is absolutely no need to struggle. Moreover, the fluctuation of the yield of the money fund exists every day, not to mention the advantages and disadvantages. It all depends on personal preference. If WeChat is used too much, choose change pass, and Alipay chooses Yu 'ebao.
Personally, it is good to deposit 1 10,000 into WeChat change; Because both are money funds, which one has a high interest rate and which one is convenient.
In fact, the nature analysis of the 10 thousand yuan deposited in Alipay and Yu 'ebao is similar. It also belongs to wealth management products, and can be used for shopping and consumption, which is convenient for daily life payment. In fact, the overall attributes of the two are similar! The choice of both is similar. I suggest you choose the one that is convenient for you.
But up to now, the interest rate of WeChat change account is slightly higher at 20 19 1.2, so I personally put money into WeChat change account.
I currently hold one of the E Fund Management and Change Pass 10 Monetary Funds. The annualized rate of return in the last 7 days is 3.248%, and the extremely high income is 0.8894 yuan! If you deposit 10000 yuan in the change account, you will earn 0.89 yuan a day and 324.25 yuan a year.
Looking at Yu' ebao, the annualized rate of return of Yu' ebao in the last 7 days is 2.628%, and the income is extremely high at 0.7 139 yuan; If you put 1 0,000 yuan into the balance book, then the daily income is 0.7 1 yuan, and the annual income is 259,438+0.9 yuan.
According to their interest analysis, the annual income of WeChat change pass is about 324.25 yuan, while the annual income of Alipay is 259. 19 yuan, and the interest of the same principal 10000 yuan finally differs by 65.09 yuan, so we definitely choose WeChat change pass in terms of interest.
In fact, there is another reason why I choose WeChat change pass. Wechat change money fund can choose money fund at will. There are 65,438+00 funds in the change pass. At present, from the perspective of annualized rate of return on the 7th, China Merchants Lucky Treasure is the highest, accounting for 3.35%, followed by ICBC Tianyi Kuai's annualized rate of return on the 7th. From the income statement, you can choose which income is high and which is good.
10000 yuan, I think it's good to deposit it in WeChat. Personally, I often use WeChat and Alipay, so I prefer to choose small change.
Both WeChat Bitcom and Yu 'ebao belong to money funds, and Bitcom is a wealth management product directly targeting Yu 'ebao. Known as the "WeChat version of the balance treasure", 20 18 1 1 just launched the internal testing function at the beginning of the year.
From the security point of view, as monetary funds, Yu 'ebao and Bitong mainly invest in low-risk products such as bank agreement deposits, government bonds, central bank bills and commercial bank bills, and there is almost no possibility of principal loss. Therefore, they are all low-risk and safer investment methods.
From the income point of view, it is obvious that the 7-day annualized rate of return of change money treasure is higher, and the four money funds connected with it are basically above 3%, while the income of Yu 'ebao is 2.5630% except for Tian Hong Yu 'ebao Fund, and other 13 money funds are almost the same as change money treasure, which is also around 3%. So there is not much difference in their income now, and perhaps the pass rate is higher. But for1100,000 yuan or so, it doesn't mean much!
From the perspective of consumer payment scenarios, both Yu 'ebao and change pass can be used in all consumer payment scenarios of Alipay and WeChat, and credit cards and red envelopes can also be paid.
However, in terms of scale, Yu 'ebao, as the world's largest money market fund, has a total scale of over 1.93 trillion, with a change of only several hundred billion. Of course, the change pass has just launched a public beta. In the future, with the huge user base of WeChat, there may be great development.
In short, you can invest 6.5438+0 million yuan in any one, depending on whether you like or are used to using Alipay or WeChat payment function. Anyway, it's less than 1 yuan a day.
First of all, let me help you export the benefits of WeChat and Alipay.
Then let's take a look at Alipay's
It can be seen that the current revenue of WeChat is still relatively high. After all, it didn't take long to launch, so it's normal to get so many benefits.
But does the subject want more income?
More income means more pay, at present, China Merchants Bank.
Why recommend a bank? Because it belongs to the country, don't worry about your money missing. I believe our bank will be better. Finally, I recommend Ying Chao, which is the same as Alipay's balance treasure. Today's interest rates are as follows.
The nature of Yu 'ebao and change pass is the same, followed by the money fund of the fund company, and the risk level is the same. The biggest difference is your usage habits and income.
However, 1000 yuan, the income is not much different, so I think it depends on the usage habits.
If you are concerned about income, I made a comparison chart of the income of Yu 'ebao and Bitong on February 28th, 65438. You can have a look. As far as income is concerned, the yield of Bitong is higher than that of the current Yu 'ebao. If you value the benefits, you can choose WeChat.
yu ebao
Yu 'ebao is a product of Ant Financial, embedded in Alipay. Before 20 18, Yu 'ebao represented a monetary fund, namely Tian Hong Yu 'ebao. However, after the expansion in May 20 18, Yu 'ebao has now become a platform channel. Up to now, a * * * has been embedded in monetary fund 13. 13 monetary fund, Galaxy Yin Fu Currency A has the highest rate of return, with an annualized rate of return of 3.447% in recent 7 days.
Coin pass
Change Pass is a balance treasure product launched by Tencent for Ali Ant Financial. On September 5, 20 17, wechat conducted an internal test of the "change pass" function for some users. On October 7th, 2065438+0165438/KLOC-0, Tencent Coin Pass was fully launched for public beta. At present, it has access to four money funds: E Fund, South Cash Connect E and Cargill Li Jintian.
How to choose?
At present, both Yu 'ebao and change pass can be directly consumed. Alipay and WeChat payment are the two poles of domestic third-party payment, occupying the first and second positions in market share respectively. All online and offline scenes are basically the same, so there is no obvious difference between them in simple use.
As for the rate of return, even if compared with the highest value of the two, it will be 10 thousand yuan. According to the current 7-day annualized rate of return, the annualized rate of return is less than that of 20 yuan, and the rate of return of money funds in the market is changing every day. Therefore, until the last moment, it is impossible to explain which monetary fund will perform better in the end. For example, what if the current pocket money is taken out and transferred to Yu 'ebao, and the subsequent yield of Yifangda Easy Finance becomes higher than that of Galaxy? Is it not worth the loss?
At present, no matter Alipay or WeChat, if the money is not directly transferred from the bank card to the money fund, it needs a handling fee, with a rate of one thousandth and a handling fee of 10,000 yuan 10 yuan. There is a high probability that the losses caused by cash withdrawal will exceed the profits brought by changing funds.
abstract
To sum up, my suggestion is to put the money received by Alipay in Yu 'ebao; The money received on WeChat is put in the change account and spent directly when needed. This is the best way to manage money. After all, the overall income difference of the money fund is not big, and your 10000 principal is not high, which has little impact. Of course, if your current fund of 654.38 million yuan is in the bank card, then choose Yu 'ebao first, and the income is the highest.
I was just about to put the money from WeChat change account and Yu 'ebao's money into the WeChat wealth management account with higher interest rate, and then the money from my colleague WeChat's 3000 yuan wealth management account disappeared. It seems that calling customer service can't solve it. I forgot to ask. I wonder if I have settled the claim now. In the past, it was half WeChat change pass and half Yu 'ebao. Now I dare not put WeChat, so I can rest assured to put Yu 'ebao.