Which online financial management methods are better than Yue Bao?

It's hard to say whether there will be a better product than Yue Bao in the future, but there are few products as influential as Yu Yu Bao Yu Bao that has created an era of national financial management. One month after listing, the capital scale exceeded 10 billion yuan, and by the end of 2017, the total scale was one trillion yuan.

For many novices in financial management, it is recommended to start with Yue Bao, after all, the threshold is very low, you can enter at any time, and the risk is relatively low. Before choosing other financial products, familiarize yourself with Yue Bao. Because, in this world, there are still people who don't believe in Yu Bao.

Different people have different opinions about Yue Bao.

Wealth Management Connect. Launched in 2014, Tencent's official wealth management platform is known as Yu'e Bao's biggest competitor and has a number of wealth management products, including currency**, traditional wealth management, brokerage** and insurance wealth management. Here we will focus on the currency** (data from April 18).

There are four types of currency** products, and the income is about, which is higher than the overall level of Yue Bao.

There are fewer restrictions on purchasing in Lee Chae-tong, and if you are interested, you can buy it at any time. In September last year, WeChat launched the redemption card, which is very similar to Yue Bao: users can directly use the money on the redemption card to make purchases, such as transferring money, giving out red envelopes, scanning and paying**, and returning credit cards.

At the same time, it can automatically earn income when the money is not being used on the redemption card. The income is slightly higher than that of Yu Bao, but it is definitely not as convenient as Yu Yu Bao as the main competitor of **, how can JD not have its own financial products? In October 2013, JD Finance was launched and soon launched a small treasury.

Jingdong small vault.

JD vault is similar to Yue Bao. After the funds are transferred to the "small treasury", you can purchase monetary capital products, and the funds in the "small treasury" can be purchased at any time in Jingdong**. At present, the 7-day annualized rate of return of Jingdong Small Treasury is higher than that of Yu Bao and Li Caitong.

In terms of monetary funds, this return is relatively high, but it is still inferior to Yu Bao in other aspects.

The simpler it is to choose a financial product, the better. It is not advisable to choose a product that is too complex and difficult to understand, but to choose a product that is within your own capabilities. Just like trading, invest in something you understand and are familiar with.

In fact, there are a lot of financial management on the Internet that is better than Yu Bao, such as buying an insurance, buying an insurance is a protection, it is also better than Yu Bao, of course, you can buy **, ** has more room for appreciation.

Tencent's Wealth Management Connect has a slightly higher overall interest rate than Yu'e Bao; There is also JD Finance, with a seven-day annualized rate of return of about 4%, which is slightly higher than Yu'e Bao and Wealth Management. There are also many other similar products, such as wealth management, Ping An's Lufax, etc., which are relatively safe and profitable financial management.

The income of Yu'e Bao is getting lower and lower, you can try the financial products in Alipay or buy**. The income of wealth management products is higher than that of Yu Bao, and the income of ** is more considerable but the risk is higher.

Now the two are as safe, Yu Yu Bao is the currency, and the currency is basically a bank deposit.

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 Yu'e Bao questions, you can call Alipay's official customer service: 95518 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.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

Yu'e Bao is a balance value-added service created by Alipay, a third-party payment platform, for individual users.

Yu'e Bao service is to build the company's direct sales system into Alipay, the user transfers funds to Yu'e Bao, in fact, the currency is purchased, the corresponding funds are managed by the company, the income of Yu'e Bao is not "interest", but the income of the user's purchase of currency, if the user chooses to use the funds in Yu'e Bao to pay for shopping, it is equivalent to redeeming the currency.

Through Yuebao, users can not only get income, but also consume, pay and transfer out at any time, which is as convenient as using Alipay balance. Users can directly purchase financial products such as ** in Alipay**, and the funds in Yuebao can also be used for online shopping, Alipay transfer and other payment functions at any time.

The funds transferred to Yu'e Bao will be confirmed by the ** company on the second working day, and the income will be calculated for the confirmed shares, which is essentially currency**, and there are still risks.

The main financial management that is higher than Yu Bao is:

1. Most of the bank's wealth management products are currently above 5%, and Yuebao is a little more than 4%;

2. Earnings, the income is slightly higher than that of Yue Bao.

In general, except for bank wealth management products, the income of online wealth management platforms is about the same.