According to data from 360 monitoring, the average seven-day annualized rate of 74 Internet baby products this week (January 5th - January 11th) was 4.40%, up 0.04 percentage points from the previous week and rising for eight consecutive weeks. The average 10,000-share return was 1.16, a decrease of 0.01 from the previous week. It can be seen that liquidity is still tight and market interest rates are still rising.
From the perspective of different sales platforms, the average 7-day annualized rate of return for this year's escrow department and third-party payment system is 4.47%, ranking first, the fund department and the bank are slightly lower, and the average seven-day annualized rate of return It is 4.36% and 4.39%. The income of the third-party payment system was slightly lower than that of the previous week, and the income of the other three-line baby was higher than last week.
Rong 360 counts the top ten babies this week. Among them, Suning’s change treasure continues to top the list with an average annual yield of 5.11%. It is the only baby with a return of more than 5%. Kaixin Ying, Hua Taibai Rui Cash is tied for second place, with an average annual return rate of 4.96%.
In the past month, the baby's income has increased greatly. The annualized rate of return of individual babies on the 7th day has exceeded 5% and 6%. But this is not the norm. The baby's income fluctuates greatly. The high income of one day does not mean that the long-term income is very high. High, so it is recommended that you compare the medium and long-term yields of one month, six months or one year when comparing the rate of return.
As can be seen from our income rankings, only one of the many babies has an annualized rate of return of more than 5% on average, so if you see a financial institution claiming that your baby's product yield has been 5%. Above, you have to doubt the authenticity, and it is very likely that it is not a money fund.
Among the 74 babies, 68 average 7-year annualized rate of return is above 4%, and only 6 are below 4%. Among them, the average 7-day annualized rate of the Bank of Communications Super Cash is only 3.27%, although compared with last week. It rose by 0.18 percentage points, but continued to bottom.
This week, the average annual return rate of Yubao is 4.24%, which is 0.1 percentage points lower than last week. It ranks 60 out of 74 babies and is still in the countdown.
After 12 consecutive days of unstoppable, the central bank restarted the reverse repurchase in the open market this week, reflecting the neutral monetary policy thinking, and the funds gradually returned to normal. Money market interest rates tend to be stable, and Internet baby income continues to surge. However, given the small possibility of a large loosening of funds before the Spring Festival, the income of Internet babies may be adjusted in a narrow period during this period.
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