Because there are many wealth management products on Alipay, the income of each kind of wealth management is different, so the income of one year 1 10,000 depends on what wealth management is bought.
First of all, at present, the most stable financial management on Alipay should be the money fund. There used to be relatively stable bank deposits, but now they have all been removed. Although the money fund is very stable, the rate of return is relatively low. For example, the current Yu 'ebao currency has an annualized rate of return of less than 2.3% on the 7th, even if it is relatively high, it is only about 2.8%.
According to the yield of 2.8%, the annual investment is 6.5438+0 million, and the total income is 28,000. Although not much, it is still more than the deposit interest of 1 year.
Secondly, if you buy bank wealth management and insurance wealth management, the income should be higher than that of the money fund. Bank wealth management and insurance wealth management on Alipay are relatively stable wealth management products, so the income will not be very high. At present, the highest rate of return is only about 3.6%, and the relatively low rate of return may be less than 3%.
Generally speaking, the yield gap of this kind of prudent financial management is not very large. If calculated at the interest rate of 3.6%, 6,543,800 yuan is put in, and the income after one year is 36,000 yuan, that is, 3,000 yuan per month.
Thirdly, if you buy a bond fund, the situation may be very different. Fund is the main financial product on Alipay, so there are many bond funds in it. Bond funds are not as stable as monetary funds, and the income of different bond funds varies greatly. At present, among the bond funds sold by Alipay, the highest rate of return in the past year has exceeded 46%, while the lowest rate of return is-10%.
Therefore, if you buy a bond fund in Alipay, the amount of income depends on whether you buy it correctly. If you buy it right, you can put it in at 6,543,800,000 yuan, with an annual income of 300,000-400,000 yuan. But if you buy it wrong, you will lose tens of thousands or even hundreds of thousands a year.
Finally, if you buy equity funds, the income difference will be even greater. In the past year, the performance of China stock market was good. Although many stocks in the stock market have plummeted, most equity funds have achieved good returns by holding groups to take eggs.
At present, the stock funds in Alipay have basically made money in the past year, with the highest rate of return exceeding 160%, but the lowest rate of return is only about 1%. If 6,543,800 yuan is put in, the highest annual income can exceed 6,543,800 yuan.
Except for stock funds, the highest returns of hybrid funds and index funds are similar to those of stock funds, both exceeding 160%. However, both index funds and hybrid funds are losing money. So buying right and buying wrong is really the difference between heaven and hell.
It should be noted that whether it is stock funds, hybrid funds, index funds, etc. Their past rate of return is of little reference value for future investment. Because the yield of these fund products depends largely on the trend of the stock market, and the trend of the stock market has great uncertainty, which makes the yield of these funds have great uncertainty.
For example, when the 20 18 stock market continued to fall, the stock funds were almost wiped out, and none of them made money. In sharp contrast to the performance of equity funds in the past year.
In short, if you put1100,000 yuan in Alipay, how much income you can get in a year is very uncertain. If you want to get a stable income, it is no problem to buy a money fund or a bank or insurance financing, and you can get 20,000 to 30,000 yuan a year.
1. What about harvest fund?
Harvest fund is a large investment institution, led by Harvest Asset Management Co., Ltd., with more than 20 years of investment