Yu 'ebao is a balance value-added service created by Alipay, a third-party payment platform, for individual users. Through Yu 'ebao, you can also pay and transfer money at any time without any handling fee. Users can purchase wealth management products such as funds directly on Alipay website, and the funds in Yu 'ebao can also be used for online shopping, Alipay transfer and other payment functions at any time. The funds transferred to Yu 'ebao shall be confirmed by the fund company on the second working day, and the income shall be calculated for the confirmed share.
The second-generation official website reservation page of Yu 'ebao shows that the expected annualized rate of return of this product is 7%, and the principal will be guaranteed. According to industry insiders, the exclusive rights and interests of users are connected in Phase 2 or insurance products. According to the practice of the insurance industry, the guaranteed income may be 2.5% annualized.
2, change treasure (Suning.cn)
The change treasure is a cash wealth management product created by the third-party payment platform Yifubao for individual users. Users can not only get higher income from the money deposited in the change treasure, but also spend it at any time and transfer it out quickly, which is convenient and flexible and does not charge any handling fee. There are many money funds for users to choose freely on the website of change treasure, which fully protects the rights and interests of users. At the same time, the funds in the change treasure can be used at any time, which can be used for online shopping, recharge payment, transfer and credit card repayment. , you can also transfer it to an Easy Pay account or a bank card.
3. Treasure of a lifetime (Oriental Fortune Network)
Life Treasure (formerly cash treasure, Tian Tian) is a financial management tool launched by Tian Tian Fund. This website aims to optimize monetary funds. Recharge the current treasure (that is, buy the preferred money fund), the highest income can reach more than 0/0 times of the current deposit/kloc, far exceeding the one-year time deposit, and you can enjoy 7
X 24-hour fast cash withdrawal and real-time account arrival service.
4. Ipoh (Straight Flush)
Yi Yibao is a current financial management tool created by straight flush. Users can enjoy at most 1 1-23 times of bank demand deposits every day, which is more than one-year time deposits. The balance of Yu 'ebao can be withdrawn at any time, and there is no time limit. Libao Fund only invests in safe and stable financial instruments such as national debt and bank deposit certificates, with low risk. Interest is calculated every day, and weekends and holidays are no exception. The income can be seen every day.
5. cash treasure (Huitianfu Fund)
Cash treasure, ultra-low deposit threshold, 1 cent can be deposited, and there is no handling fee for deposit and withdrawal! After the money rushes into cash treasure, it is equivalent to buying the money fund of Huitianfu, and you can enjoy the money fund income. In 20 12 years, the annualized income of cash treasure is 4. 1 15%, which is1/0.8 times of the current income. Moreover, the income level of the new generation of cash treasure is more competitive in the market than before the upgrade, realizing daily interest calculation, daily dividend distribution and daily income rolling.
6. Licaitong (Tencent)
2014 65438+1On October 22nd, Licaitong, a cooperation between Tencent and Huaxia Fund, officially landed on WeChat. On the same day, Licaitong raised 800 million yuan. On the other hand, Yu 'ebao, which was launched on June 13, raised 350 million yuan on the first day. In addition, on the day of the launch of Licaitong, the annualized rate of return on the 7 th was 7.529%, while the annualized rate of return on Yu' ebao on the 7 th was 6.46%.
At this stage, Licaitong can only operate on mobile phones. You need a smart phone, download the WeChat APP, and bind the bank card, so you can deposit and withdraw money conveniently. The 7-day annualized rate of return is 6.4350%, which is equivalent to more than 0/6 times of demand deposit/kloc-,and the maximum single-day deposit in the trial operation stage is limited to 8,000 yuan.
7. Baifa (Baidu Wealth Management)
20 13,10128 October, the "Baidu Financial Center-Wealth Management" platform was officially launched, and attractive financial products will be customized together with various financial institutions. "Baifa" is the first financial plan launched by Baidu Financial Center. With the goal of helping people get rich, it lowers the threshold for users to migrate from traditional finance to internet finance.
8. Beijing (JD.COM Mall)
"Jingbaobei" integrates and processes data such as purchasing, sales and finance on JD.COM platform, and completes automatic approval and risk control. Because the whole process is online, the time to realize the loan can be shortened from the previous daily calculation to less than 3 minutes. The financing period of this business is as long as 90 days, and the financing amount and repayment time can also be decided by the supplier.
JD.COM claimed that tens of thousands of suppliers on the platform can obtain financing quickly based on data such as procurement and sales, and the whole process from application to lending can be completed within 3 minutes; Without any guarantee or mortgage, it can effectively improve the working capital turnover of enterprises.
9. Money Bag (Guangfa Fund)
Guangfa Money Bag is a cash management account with money fund as the core, which is launched by online transactions of Guangfa Fund. Monthly income and idle funds are all recharged into the money bag, which can not only enjoy the income of the money fund, but also worry about repaying the loan.
10, active link (Huaxia Fund)
The current account is a fast and flexible cash account launched by Huaxia Fund, and its income far exceeds the current account. Deposit into the current account is to purchase Huaxia cash interest-increasing monetary fund, which can obtain much more income than current savings. Users can withdraw it at any time without charging any handling fee, and at the same time support free credit card repayment, mortgage repayment, car loan repayment, inter-bank transfer and other functions.