Yu 'ebao is a monetary fund with relatively high security, liquidity and payment convenience. However, the current rate of return is indeed declining gradually, and the liquidity is also limited by the "quick redemption" quota of 1 10,000 yuan, which is more suitable for the allocation of small funds.

—— According to the regulatory regulations, the daily "quick redemption" amount of a single money fund is 65,438+0,000 yuan, that is, the redemption within 65,438+0,000 yuan can be received in real time, and the "ordinary redemption" is required if it exceeds 65,438+0,000 yuan, and it will take t+65,438+0 trading days.

You can also pay attention to "smart deposit products". Deposit products issued by banks can enjoy the deposit insurance protection system, and 65,438+000% can be paid within 500,000 yuan. Some "current" products can be accessed at any time, with interest bearing on the same day and real-time payment on the day of redemption.

For example, there are some demand bank deposit products on the platform of Du Xiaoman Wealth Management APP (formerly Baidu Wealth Management), such as "Sanxiang Bank Demand", which can be withdrawn in advance, with a yield of about 3.9%, and can be accessed at any time. The value can be taken on the same day, and it can be withdrawn on any natural day, and it can be paid in real time on the same day, without trading days, within 500,000 yuan 100%.

You can search for "Du Xiaoman Financial APP" or pay attention to "Du Xiaoman Technology Service Number" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!