Your short-term liquidity can be used to buy products to earn income. The maximum allowable share of individual account is 6,543,800,000 yuan, and the maximum allowable share of enterprise account is 50,000,000 yuan. At the same time, it has the characteristics of high liquidity. The single-day real-time redemption amount of personal account is 6,543,800 yuan, and the single-day real-time redemption amount of corporate account is 5 million yuan. There is no limit to the amount of non-real-time redemption (T+654.38+0 fund arrives on the trading day), which allows you to obtain value-added income without affecting the payment of operating funds.
Money funds have low risk, but they are not deposits. I suggest you buy according to your risk tolerance.
The difference between Yu Baoli and Yu 'ebao:
1, the yield is different. Although the rate of return is different, the calculation method is similar. At present, Yu Baoli's daily yield is about 2.4%, while Yu 'ebao's daily yield is about 2.3%.
2. Different customer groups. Yu Bao Li's customer base is mainly Tmall and Taobao market enterprise sellers, which can be used in Niuqian and Seller Center, while Yu 'ebao is mainly invested by Taobao buyers and friends with spare money.
3. Different investment platforms. At present, I can only invest in the online merchant bank launched by Ma Yun, and I can't use it in Alipay.
Extended data:
Yu Shangwang Bank, named "Tian Hong Fund Yunshangbao Money Market Fund", belongs to the money market fund. The fund code is 00 1529. More information can be obtained from Tian Hong Fund official website. Security and risk of surplus funds in online merchant bank: Security of funds: As a financial institution, online merchant bank has a perfect security system, and the surplus funds can only be transferred to my online merchant bank account in online merchant app, so the funds are very safe.
Investment risk: any investment has certain risks, but the investment is low-risk monetary funds, such as bank deposits, certificates of deposit, government bonds, etc. And I haven't suffered any losses so far. But the money fund is not a deposit, so I still want to remind you that investment needs to be cautious.
As a financial institution, the online merchant bank has a perfect security system, and the rest of the funds can only be transferred to my online merchant bank account in the online merchant app, so the funds are very safe.
Any investment has certain risks, but it is low-risk monetary funds, such as bank deposits, certificates of deposit and government bonds. And I haven't lost any money so far. But the money fund is not a deposit, so I still want to remind you that investment needs to be cautious.
Calculation and arrival time of income: after transfer-out, the income will be calculated on the next fund trading day and postponed in case of national legal holidays.
References:
Baidu encyclopedia-Yu