The balance fund is a money fund. It is not saving. It is risky. Its income is income, not interest. If one thinks that the balance treasure will not lose, everyone will fall into the wrong zone. The balance of Yu'e Bao’s revenue did not drop suddenly, but continued to decline. Next, the author will share with you some of the reasons for the continued decline in the balance of Bao.
One reason: continue to squeeze out Tianhong Funds, scale down, and respond to central bank regulatory needs.Recently, the younger brothers should have deep feelings about the purchase of Yu-E Bao. Before Yu-Bao had a limit of 200,000, he had to limit 100,000, and then to 9:00. He was crazy about minute, so many small partners gave up the balance. treasure. This is one of the ways to limit the size of Yu'ebao.
The most direct, effective, and powerful stimulus is the reduction of interest rates.Today's Yue Bao’s annualized yield has fallen below 4%, which is already lower than the market’s mainstream current wealth management products. My friends, I have Yu Bao, and I can't reach my expected return. Why do I still have Yu Bao?
With limited purchases and low interest rates, this combination of boxing is continuously compressing the world’s largest currency fund.
Then, what is the consequence of the large scale of Yu'ebao? Everyone should know that if you go to get cash, the balance treasure is T+0 arrival, that is, real-time arrival. In the event of a "black swan" incident, everyone runs on it, and this Tianhong fund will be finished in an instant, because you are investing in money funds, not savings! The Tianhong Fund has been taken for investment. There is no cash reserve and there is no way to redeem the customer's principal and income. This is what the central bank calls "liquidity risk."
To guard against this kind of risk, Ant Financial will have to pay a huge sum of money. Now it seems obviously not a wise move. Therefore, it is imperative to squeeze the balance treasure.
Reason 2: The balance treasure has been upgraded from one to three to diversify risks and allow customers more choices.
I believe that many of my friends who recently opened Alipay should have seen it. Now that the balance treasure supports the upgrade, those buddies who want to make good money will have to keep their eyes open to see if the latest money funds are flawed.
The current highest-yield current wealth management has reached 4.18%, which I think is a good choice.
Lower interest rates, currency crowding out, Ma Yun does not want these funds to go to other platforms, so they have emerged two new current wealth management funds, we can look at the balance of treasure to see. Let the new fund to diversify the investment risk of customers, but also allows customers to maintain a higher rate of return, killing two birds with one stone.
So, how should we choose in the face of the reality of the drop in the yield of the current balance treasure?
We should still decide your financial management based on your capital, liquidity, risk appetite, and return rate.For Alipay, I think most of the younger friends who keep deposit balance are less principal, have higher liquidity requirements, have lower risk appetite, and require higher returns.
Therefore, if you do not consider cross-platform, as most people in the balance treasure are still rushing to buy, you can abandon the balance of treasure, switch to Yu Libao part, and after the upgrade of balance treasure, invest in the current rate of return of 4.18% of the fund.
In addition, there are some more financial management, liquidity, such as P2P financial management of 30 days, 60 days of products, you can also try it, it is recommended to take the unused money 30-40% to vote on the line, because it is reasonable With funds, the remaining funds can invest in long-term financial management.
Long-term financial management can choose bank financing or funds, trusts. You can also invest in P2P's head several platforms, through the activities of the most recent 518 Finance Festival, you can easily lock in revenue.
This article was transferred from WeChat public number: mutual gold compass
There are also many short-term financial services that are high-yielding and reliable, focusing on the WeChat public number: Confidence notes, and replying to “failure” reviews.