Last week, Yu He Bao had a good news, that is, in addition to the Tianhong Yu Bao Foreign Currency Fund, he introduced two new money funds, namely, when the Bo cash income currency A and the Central European Qian Bao Bao currency A, in addition to unlimited Unlimited hours, the original balance treasure feature remains unchanged.
This also means that when we later put the money in the balance of treasure, no longer need to set an alarm every morning at 9 o'clock to buy, and do not have to limit the maximum holding limit of 100,000 yuan. This is a great news for Paypal and Yu's loyalty.
In addition, Rongrong Financial Analyst viewed the income of these two money funds. Bo’s cash income and currency A’s gains were normal. The gains in the recent year were only 3.76%, but the gains of China Euromoney’s currency A in recent years was 4.18%. It is higher than 4.04% of Tianhong Yubao currency.
In recent years, baby finance represented by YUN Bao has indeed brought great convenience to everyone. The threshold is low, the risk is low, and the income is much higher than the bank's current deposits. With the deposit, if you have a sum of money, you will not use it for the time being. , or need to prepare some liquidity funds, then the money in the baby's financial management is no longer appropriate.
However, today's 360 financial analysts are talking about another current product. Although not a money fund, a product that is more powerful than a money fund is the “rich banker” in Jingdong Financial's “Bank +”. Fuminbao is issued by Fumin Bank and Jingdong Finance is a sales agency platform.
Here are three advantages of Fuminbao:
1, the principal guarantee
Fuminbao's purchase starting point is 50 yuan, which is similar to the bank's fixed deposit threshold, close to 0 threshold. In fact, the underlying asset of Fuminbao is deposit. It is an innovative deposit product launched by Fumin Bank. Each money you deposit corresponds to a 5-year fixed deposit.
Although you buy a time deposit, you can withdraw your funds at any time. After you withdraw, you will be bought by others, which is equivalent to the transfer of income rights.
Everyone knows that Yu'e Bao is not insured, and all money funds do not protect the capital, but bank deposits are capital-preserving and have higher security. Fuminbao is essentially a deposit, and although it is not protected by the deposit insurance regulations, it can still be protected. Guaranteed security is very high.
2. Interest rate 4.7%
The current interest rate of Fuminbao is 4.7%. If you can hold it for 5 years, the interest rate can reach 4.8%. The 360-monitored data showed that on average, the average annual yield of Internet baby products last week was only 4.25%, of which the balance of treasure was only 3.97%. Fuminbao’s earnings had to be thrown away from these baby finances a few times.
However, it should be noted that Fuminbao’s original income was only 4.2%, and the rate hike to 4.7% from April 25. In fact, the 0.5% interest rate increase is equivalent to the platform's subsidy to investors. It is time-limited, and it is uncertain when it will end.
When Weichai Bank's current term started + August 2015, Microcred Public Banks also subsidized it. The annualized rate of return on the 7th is more than 5.2%, while the annual yield on the 7th day of the balance bank balance is not yet To 3.5%. However, about two months later, the current + will restore normal income levels.
However, 360 financial analysts would like to say is that now can buy to enjoy 4.7% of the income, even if later dropped to 4.2%, the yield is not low, almost the same with the money.
3, 365 days with the deposit, with interest on the day
If Fuminbao was purchased before 23:50 on the same day, the interest will be calculated on that day. At present, the monetary fund is T+1, and the T in this case refers to the “working day”. If it encounters a weekend or a holiday, The postponement of the value date, such as the purchase of the Spring Festival and the eve of the National Day, may require capital to guard for ten days.
The advantage of Fuminbao here is very obvious. Regardless of whether it is a holiday or a weekend, there is no restriction on the purchase before 15:00. With 365 days of follow-up, it is simply too convenient for the funds to be submitted in real time.
in conclusion,Compared with money funds, Fuminbao has higher security, higher returns, and higher liquidity.
Nowadays, the interconnection financial institutions are simply awful. Ah, product innovation is too fast, and it is in line with market development to cater to investors' needs.
The introduction of new rules and regulations for the introduction of asset management in the former stage requires that all asset management products of financial institutions break the rigid payment. In other words, all wealth management products except deposits and government bonds on the market have almost no capital preservation. This is a conservative type. For investors, it is a blow, but such products as Fuminbao can satisfy the needs of these investors.
Financial 360 financial analysts believe that Fuminbao’s greatest advantage is not security and income. After all, the security and profitability of money funds are almost the same. Fuminbao’s greatest advantage lies in addition to its high security and profitability. It is very powerful to be able to pay interest on the same day.
In fact, there are a lot of live money that are more profitable than Yu Bao, and we pay attention to the WeChat public number: Confidence notes, and reply to the “live” view.