According to data from 360 monitoring, the average seven-day annualized rate of return for 74 Internet baby products this week (October 26-November 1) was 2.90%, up 0.02 percentage points from the previous week, ending 16 consecutive weeks of decline. It has risen for the first time since the beginning of July.
From the perspective of different types of sales platforms, the average annual return rate of third-party payment for babies this week is 2.98%, although it still ranks first, but it is down by 0.05 percentage points from last week and fell below 3% for the first time this year; The average annual return rate of the baby is 2.94%, ranking second; the average annual return rate of the fund baby is 2.84%, ranking third, and the average annual return rate of the sales department is 2.79%. Bottom.
Rong 360 financial analysts counted the top ten babies in this week's earnings. Among them, the average 7-day annualized rate of e-Tong of China Shipping Fund is 4.03%, ranking first, and is the only baby with a yield of more than 4%. Docking is China Shipping Currency A. The recent income fluctuations are relatively large. The yield of 3.93% in the past year is not high, and it can only be regarded as the middle level.
Weizhong Bank's current + average seven-day annualized rate of return is 3.42%, and its docked national gold win-win money yield has been relatively high, with a yield of 4.15% in the past year, leading the industry.
Minsheng Ruyibao, Huitianfu Cash Bao, Telecom Tianyibao, and Micro-Fortune Piggy Bank are all Huitianfu cash treasure currencies, with an average annual return rate of 3.36%, tied for third place. Huitianfu’s cash yields have always been at the forefront, with a yield of 4.16% in the past year.
Among the 74 babies, there were 29 babies with an average annual return rate of 3% or more on this week, and 45 babies with 3% or less. Most of the babies' yields fell below 3%.
How to pick a baby product? Rong 360 financial analysts put forward four suggestions:
1. Compare medium and long-term returns, such as the yields of the last 6 months and 1 year, the higher the yield and the better the better;
2, look at liquidity (cash rate), support for redemption within 10,000 yuan is the best, if only support T+1 redemption, the liquidity is not good;
3, look at the platform experience, it is best to use the financial platform often, do not need to download an APP for a baby financial management;
4, look at the application scenarios, such as some babies support direct consumer payment, credit card, payment and so on.
This week, the central bank did not start reverse repurchase operations. The open market did not operate for six consecutive trading days. The funds were in a net return. On October 31, the Shanghai interbank interest rate (shibor) rose sharply, and the overnight lending rate rose by 80. The base point, the biggest increase since January 2014, the interest rate rise pushed up the money fund yield. However, the current liquidity of the banking system is at a reasonable ample level, interest rates are only a short-term rebound, and the probability of falling back is greater. The Internet baby's yield is still in a downward channel.
In fact, there are still a lot of current wealth management money than the balance treasure, pay attention to the WeChat public number: financial notes, reply to the "live" view.