Why do you want to deposit money in Yue Bao, and what is the difference between moving to a bank?

Because Yue Bao has at least three benefits over going to the bank to deposit money.

1. Save the trouble of going to the bank to deposit money, as long as you open an online bank and bind it to Alipay, you can directly transfer the money to Yue Bao. - Save time and effort.

Second, the money is stored in the balance treasure and can be used flexibly, and the interest can be withdrawn at any time and returned to your balance treasure immediately, unlike the bank, if the interest is withdrawn in the middle of one year or three years, it will become a current account. - Flexibility is exceptional.

Third, it is convenient to inquire, click on the balance treasure to see how much money is in it at a glance, and it is more convenient than online banking to check without going to the bank. ——The convenience of the times.

I've summarized three articles here and there's a lot more I believe, I hope you can !!

Even though the annualized interest rate of Yu'e Bao has fallen a lot, it is still much higher than the bank's fixed deposit interest rate. At present, the seven-day annualized interest rate is, while the bank's demand deposit interest rate is, and the interest rate of the lump sum deposit is three months, six months, one year, two years, three years, and five years. From the comparison of interest rates, it can be seen that the interest rate of Yu'e Bao is much higher than the interest rate of bank fixed deposits.

Once the bank fixed deposit is withdrawn, it is calculated according to the current interest rate, which is not cost-effective. The interest rate of Yu'e Bao is higher than the interest rate of the bank for five years, and the money in Yu'e Bao, when you want to use it, you can transfer it out at any time, and the interest rate of the money remaining in Yu'e Bao is unchanged, that is to say, Yu'e Bao is a demand deposit, but it has the interest rate of a fixed deposit.

You put 100,000 yuan to Yue Bao, the interest is about 500 yuan a month, and it can be taken out at any time, which can be used as a demand deposit for silver. But if you put it in the bank to calculate the current account, the monthly interest is only 30, so which one will you choose?

Now you save 10,000 yuan, and your average monthly profit alone is about 300, and if you put the bank, the profit is only 30 years to die, and the interest returned to you by Yu'e Bao is three or four thousand, but Yu'e Bao has a disadvantage, that is, the money you deposit is easy to deposit, and it is very troublesome to take it out.

Alipay's interest rate is higher than that of the bank's demand deposit, and it can be used at any time.

The interest rate is high, now Yu'e Bao has more than one yuan a day if it is 10,000 yuan a day, how much is it for your whole bank?

Let me tell you this, if you deposit 10,000 to the bank, the interest is about 35 yuan for one year, and if you deposit 10,000 yuan to Alipay, the interest will definitely be greater than 365 yuan a year.

Yu'e Bao currently has a relatively high income.

The interest rate of Yue Bao is relatively high and it is more convenient.

1. Both options are possible.

Among them, Tianhong ** is a state-owned asset. The security level of Yu'e Bao is equivalent to that of major state-owned banks, the income of Yu'e Bao is higher than that of the bank's one-year fixed deposit, Yu'e Bao is settled on a daily basis, and you can withdraw money at any time, and it will arrive within two hours, which is not comparable to Yu'e Bao. There are still many advantages of Yue Bao.

Yue Bao is also safe, and more than 400 million people across the country are using Yue Bao to manage their finances.

2. In fact, it is very easy to understand, put it in the bank, which is equivalent to fixed income.

3, put in the balance of treasure, equal to the planning of the Department of fixed income financial management, the nature is actually different, now few people put money in the bank does not move, inflation is terrible, must use the point to guess the situation to make money.

Specific differences: 1. If you deposit in the bank, you should be more insured, and you should have a higher yield, or you will have to deposit regular interest about the same as Yu Bao's current value, but once you need to use it urgently and take it out, the part of the interest that is not due will be lost;

2. Deposit Yu Bao, daily income, the current income is similar to the bank's 3-year term, but there is a certain risk, it is an investment and wealth management product, there is a return, it may be very high, but it may also be a loss, it may also be a lot;

3, the money in the balance treasure can be directly ** shopping, once your account is not properly kept and stolen, it may be spent, although it claims to buy insurance, once stolen will be paid, but if you yourself leaked the password of the old account, it is difficult to say, and the stolen claim must be more depressing;

4. To sum up, you yourself consider it yourself according to your personal situation and the use of this money.

1. Yu'e Bao is a balance value-added service and current fund management service product of Ant Financial, which was launched in June 2013, and Tianhong is the manager of Yu'e Bao. For Yue Bao questions, you can contact Alipay customer service for consultation.

2. Ping An Bank has launched a variety of wealth management products to meet the needs of investors, and the expected returns, investment directions and risks of different wealth management products are different. You can log in to the Ping An Pocket Bank APP-Wealth Management, search for the name of the wealth management product or view the detailed product manual to understand and purchase.

Tips: Before you purchase a wealth management product, you should ensure that you fully understand the investment nature and risks involved in the wealth management product, understand in detail and prudently evaluate the basic information such as the investment direction and risk type of the wealth management product, and on the basis of fully understanding and clearly knowing the risks contained in the wealth management product, you should independently participate in the transaction through your own judgment, and voluntarily assume the relevant risks, and decide to purchase the wealth management product that matches your own risk tolerance and asset management needs after careful consideration.

Yue Bao is a money management service. Transfer to Yue Bao, that is, buy currency**, you can enjoy currency** income;

1. Low threshold: less than 1 yuan can also be transferred

2. There is no subscription fee and redemption fee (the subscription will be transferred to Yue Bao, and the redemption will be transferred out of Yue Bao).

3. Take-as-you-go: It can be used for online consumption (including but not limited to **shopping, mobile phone recharge, water, electricity and gas payment, Huabei, credit card repayment, etc.), offline payment, or transfer to a bank card.

5. Multiple choices: Yue Bao supports multiple currencies**, you can choose according to your preferences.

Currency** is mainly used to invest in treasury bonds, bank deposits, etc. Investors buying money market do not mean depositing funds in banks or depository financial institutions, and the company does not guarantee a certain profit, nor does it guarantee a minimum return.

Why do many people think that it is more cost-effective to put money in Yu'e Bao than in the bank?