The yield of Yu e Bao is getting lower and lower, why are there still so many people saving?

In our daily life, there will always be a part of the deposit in the bank card, many elderly people like to deposit this part of the deposit in the bank for a fixed term, so that you can get a lot of interest, and when the network and smart phones appear in our lives, we can store it through mobile phone software. It doesn't have to be stored through a bank, and it's very convenient for us to access it.

We are very familiar with the Yuebao in Alipay's Yu'e Bao Alipay software, and even now many people are still using Yu'e Bao, it can be said that when Alipay just appeared Yu'e Bao project, the annualized rate is still very considerable, so many people even if they don't have a lot of deposits, they also like to put their temporarily unused money in Yu'e Bao,And every day, we can see that the part of the interest we get is transferred to our Yu'e Bao account, which can be said to be very transparent throughout the whole process, and it is also deeply liked by many young people.

The income of Yu'e Bao is getting lower and lower, but now there are more and more projects similar to Yu'e Bao on the market, so the interest rate of Yu'e Bao is getting lower and lower, and some people will not choose Yu'e Bao, but choose to buy other financial products in Alipay. Of course, there are also the vast majority of conservative people who will still put this part of their savings in Yu Bao. If you need to use money, you don't need to redeem it in any wayInstead, you can access it directly, so the whole process is quite convenient.

Such a convenient process is also very much in line with today's young people's consumption outlook.

The reason why so many people still use Yue Bao The reason why so many people use Yue Bao is because Yue Bao has no threshold. If you only have a dollar deposit, you can also deposit it into Yue Bao, and of course you can also get the corresponding interest. If you don't want to continue to deposit, you can withdraw it anytime and anywhere, which is too convenient compared to buying ** or buying other financial products.

Moreover, the whole process of Yue Bao is quite transparent, whether it is transaction or interest feedback, and we can see every interest we receive through daily bills. This is much more transparent than some ** or financial products, and it is such a transparent and simple way, so even if the income is relatively low, there are still many people who use Yu'e Bao.

Among the vast majority of people who use Yu'e Bao, their personalities are extremely conservative, after all, whether they are buying ** or buying financial products, there is a possibility of losing moneyOnly Yu Yu Bao can completely protect the capital, although sometimes the income is less, but it is also a kind of profit.

Although the income of Yu'e Bao is very low, because its currency ** has no purchase and redemption rate, and it belongs to Ali's products, it can be perfectly compatible with **, and at the same time, it can be taken out freely and quickly every day within the limit of 10,000 yuan, and it is still very cost-effective to store it as change on hand.

Because of other platforms, it may be even lower, and the risk may also be great. The risk of choosing Yue Bao is small, although it is low, but it is low, and the profit of other high-risk places is high, but the risk is also very high.

The annualized rate of return of Yu'e Bao is a few percent, which is not low for flexible withdrawals, and I don't want to change it anymore if I get used to it.

Because although the yield of Yu Bao is getting lower and lower, it is compared to many other such ones. Wealth management products still have great advantages. Because the most important point is that it has a flexibility.

This is because although the yield of Yu'e Bao has decreased, it is still higher than the bank's demand deposit interest rate. Yu'e Bao is very suitable for change financial management, fund deposit and withdrawal is very convenient and flexible, and there is no need to choose hard**.

Hello, the main thing is that it is easy to use, even if there are only a few funds, it will generate income after putting it into Yue Bao, so there are still more people who use it.

The yield of Yu'e Bao is getting lower and lower, why are there still so many people saving? Because of the flexible access and easy to use, the income is low, but it is also higher than the interest rate of bank demand deposits.

Because Yu'e Bao is flexible to use, and the current interest of Yu'e Bao is basically the same as the interest of the bank's one-year fixed deposit.

Because there are many people who have opened the balance deposit function of Yue Bao, so that you can automatically deposit a sum of money into Yue Bao after spending a sum of money.

Because they don't know. They didn't look at its yield.

Yue Bao. The income, within seven days, can reach a rate of return of 5%, and it soon spread, and many people took their balance treasure and stuffed it into their own balance treasure. Roughly calculated, there are 10,000 yuan on Yue Bao, which can earn yuan a day, which is more than ordinary bank wealth management, but from the current rate of return, you can earn yuan a day.

I don't like Yu'e Bao as a wealth management product.

The main thing is that I will only stuff a few fractions into it, the amount is very small, and the interest rate will not fluctuate too much. Now there are *** payments everywhere, and some excess cash on Alipay and WeChat is easier to take, and you can earn some interest.

But now, most people in the non-financial sector will choose to use Yue Bao and Coin Pass.

Because they have more cash, they are very sensitive to fluctuations in interest rates. Because the majority of netizens are very concerned about the issue of Yu Bao, let me explain to you why it continues to decline.

First, Yu'e Bao is a basic financial product.

The most common financial instrument for people.

It is nothing more than Yu'e Bao and Coin Pass, no matter what financial platform it is, it is basically doing monetary funds.

Target. You can open Yue Bao, click on the fund details, and you can know the currency and funds they hold**. Therefore, our Yue Bao account will be deposited in the bank, and then the bank will invest and earn profits, and then distribute it.

I take a look at the monetary returns of the last decade and see that 2014 and 2018 saw the biggest gains, both times in China's financial markets.

Stressful times. Therefore, when the market is in dire need of financing, higher interest rates will be offered, so that everyone will have a hot stream to flock to it, which will make depositors happy and banks can make money, killing two birds with one stone.

Second, there is no one in the market who needs to spend money at all. It is estimated that many people have seen the words "no shortage of money" during this period of time, and their hearts are jumping, what is this concept? He always felt poor.

I'm not bad when I say it, it's that we have enough financial support, not what we want, because we don't have enough money in our hands. According to statistics, in the first quarter of this year, the People's Bank of China.

Savings and household savings increased by trillion yuan and trillion yuan respectively.

In recent times, because of various things, everyone has felt a huge pressure, and everyone knows that with savings, there is more money. In the past few weeks, the central government has lowered interest rates twice in a row so that everyone can borrow and spend money, so that the economy can develop better.

The biggest headache is the banks and the companies, although they are putting some money into them, but no one wants to lend their money because they don't know what they can do and pay interest on their deposits. So, the ROI.

The decline is also to be expected.

1. Increase the cash ratio. In order to prevent the occurrence of risks, Yu'e Bao increased the proportion of cash, which led to a decrease in the amount of money used for investment and an increase in bank deposits. As a result, this situation leads to a decline in earnings.

2. Yue Bao upgraded. Yu'e Bao began to access Tianhong currency**, and later gradually accessed CEIBS, Bosera, Huaan, Cathay and other ***.

After the access, it has caused a certain diversion effect on the funds of Yu'e Bao itself. Therefore, for a period of time, the newly accessed ** will not generate income soon, thus lowering the overall income of Yue Bao.

3. The entire currency market is in a recession. Since 2018, not only the income of Yu'e Bao has declined, but also the income of other currencies**. And Yu'e Bao is essentially a category of currency.

Therefore, due to the influence of the market, Yu'e Bao's income has declined.

Affected by the downward trend of the global financial environment, the return of currency** continued to decline; The income of Yu Bao is closely related to the interbank lending market and the degree of tightness of market funds. The market is tight, and the major banks are in urgent need of capital turnover, so the interbank lending rate continues to rise, and the market funds are loose, and the call rate naturally falls.

First, the more money you save, the more you can earn. And it's profitable, so it's more and more profitable.

Second, it is not recommended that you put too much money in Yue Bao, 5-100,000 is the limit.

3. Good luck!

His income is basically annualized, so the income is determined by the amount of money you save.

Yes, the more you deposit, the higher the return.

The funds in Yu'e Bao are actually purchased specifically for Tianhong**'s currency type**, therefore, the interest of Yu'e Bao fluctuates with the market**, and the daily income is different. The specific daily interest is calculated as follows:

1. Calculation formula: (

Yue Bao has 10,000 funds

The company's earnings per 10,000 shares announced on the day of x. As can be seen from this formula, the more funds you deposit, the higher the returns.

2.The amount transferred to Yue Bao will be confirmed after one working day, and you will start to enjoy the benefits; Yu'e Bao pays the income every day, and the income is directly credited to the account; The amount of the confirmed portion is profitable on weekends and holidays.

Yu'e Bao belongs to the currency, mainly investing in deposits, bonds and other related financial instruments, the ** of financial instruments will fluctuate, so the daily income will also change.

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.

Money markets** should invest in the following financial instruments:

1. Cash; 2. Deposits, bond repurchases, bank bills, and interbank certificates of deposit within 1 year (including 1 year);

3. Bonds, debt financing instruments of non-financial enterprises, and asset-backed enterprises with a remaining maturity of less than 397 days (including 397 days);

4. Other money market instruments with good liquidity recognized by the China Securities Regulatory Commission and the People's Bank of China.

Yu'e Bao is expected to have an annualized expected rate of returnIt has become a topic that many people talk about after dinner. The high expected annualized rate of return of Yu'e Bao, which attracted investors on the same day, is now gone. What is the reason for the expected annualized expected rate of return of Yu'e Bao to get lower and lower?

If we want to know that the expected annualized rate of return of Yu'e Bao is getting lower and lower, we must first start with the expected annualized rate of return of Yu'e Bao**. Yu'e Bao is a financial product after the cooperation between Alipay and Tianhong**. Yu Bao's funds went**?

Tianhong** deposited this part of the money in the bank, and distributed most of the interest obtained from the bank to the investors through interbank deposits.

How did last year's Yu'e Bao's high expected annualized expected rate of return come about? The direct result of the expected annualized rate of return of Yu'e Bao is the expected annualized interest rate of the bank's interbank deposits. During the Chinese New Year last year, loans were in short supply, and the bank's capital turnover was not effective, so in order to absorb more deposits, the expected annualized interest rate of interbank deposits increased, and the expected annualized rate of return of Yu'e Bao was naturally very high.

Secondly, the interest rate of bank loans is high, and the more you lend out, the more you will earn, so during the Spring Festival, the bank will give it a higher share of Tianhong**, which is the expected annualized expected return to the user, which is the increase in the expected annualized expected rate of return of Yu Bao.

Since February this year, the expected annualized expected rate of return of Yu'e Bao has plummeted, which is greatly affected by the expected annualized interest rate of interbank deposits. After the peak of borrowing has passed, the funds required by banks will decrease, and the expected annualized interest rate paid to interbank deposits will decrease, so it is inevitable that the expected annualized rate of return of Yu'e Bao will decrease.

The main reason is because most people are now using Yue Bao to manage their finances. As the number of users increases, the amount of money per person will also increase, and the demand for funds will not be so great. Therefore, the profit and above are also slightly lowered, which is the main reason why the income of Yu'e Bao is getting lower and lower.

The second reason is that affected by the downward trend of the global financial environment, the income of currency ** continues to decline, which is the same for everyone, and the yield of the same currency ** that everyone sees on Yu'e Bao is the same.

Moreover, the interest of Yu'e Bao is usually the so-called income, and the interest of Yu'e Bao is issued every day, and the interest of the same amount is different every day, for example, on April 21, 2019, the 7-day annualized rate of return of Yu'e Bao is.