Do you have any suggestions for college students to manage their finances Which is more profitable,

College students' financial management is still the first fixed investment, buy the index type, now the ** downturn, sooner or later will rise, you can buy it now, do long-term investment.

Bank current wealth management is a low-threshold financial product that supports deposit and withdrawal by banks, and its flexibility and expected rate of return are similar to currency **, so there are many investors who compare the two, so which is better, bank current wealth management and Yue Bao? Let's take a look.

1. Investment threshold

Although the investment threshold of bank current wealth management products is lower than that of regular wealth management products, it is still much higher than that of Yu'e Bao. Generally, the minimum investment amount of current wealth management is 10,000 yuan, and the minimum investment amount of Yue Bao is 1 cent. Therefore, from the perspective of investment threshold, Yu'e Bao is more popular.

2. Expected return on investment

The investment scope of bank demand wealth management products is wider than that of Yu'e Bao, so the expected rate of return is slightly higher than that of Yu'e Bao, and the expected average expected rate of return is around.

However, on December 27, the China Banking and Insurance Regulatory Commission and the central bank issued a notice on cash management products, according to the requirements of the notice, the future investment scope of bank current wealth management products should also be benchmarked against the currency, which means that the expected rate of return of such products may also be ** in the future.

3. Trading hours

Bank current wealth management products generally follow the T+0 trading rule, that is, before 15:00 on T day**, the expected return will be calculated from T day. Yu'e Bao follows the T+1 trading rules, before 15:00 on T day**, and the expected income will start to be generated on T+1 day.

4. Transaction methods

Both bank current wealth management products and Yue Bao support **subscription and redemption, but some banks will require investors who purchase products for the first time to go to bank outlets for "risk assessment testing" before they can trade.

Generally speaking, the threshold and expected return of bank current wealth management are slightly higher than those of Yu'e Bao, and investors can choose according to their personal needs. The above content about which is better for bank current wealth management and Yue Bao, I hope it will be helpful to you. Warm reminder, financial management is risky, investment needs to be cautious.

Ebao is actually a currency**, behind which Tianhong** operates, and the rate of return is different every day. The company earns income through various investment portfolios and allocates shares. From some time ago, it seems that the annualized return is generally in between.

Comparison with bank deposits and wealth management products:

One is much higher than bank deposits and bank wealth management products: bank fixed deposits for five years, small and medium-sized banks, large banks only, but also higher than other bank wealth management products, now bank wealth management products are generally 3 months, half a year or 9 months, the annualized rate of return is between 5% and 5%.

Second, the liquidity is strong, and there is no limit to the starting funds, which can be withdrawn at any time.

It should be Yue Bao. However, compared to the new P2P online loans, these are low.

1. Yue Bao is a kind of currency**, the full name is "Tianhong** Zenglibao", and the investment risk of currency ** is very small;

2. Controllable risk: Since you can see the income every day, the risk is controllable, and the possibility of loss is very small.

3. At present, the annualized income is about 1w yuan per day, which is lower than the income of the bank's medium and long-term wealth management products and much higher than the current interest;

You can invest in Yue Bao within W, and it is recommended to buy bank wealth management products above 5W;

5. After depositing money into Yue Bao, you must take good care of your mobile phone, especially the mobile phone verification code, and do not tell anyone at any time to ensure the safety of the funds in your Alipay or Yue Bao account;

6. The funds in Yue Bao can be withdrawn at any time, which is very convenient;

7. As long as you take good care of your mobile phone, don't go fishing**, don't open unknown connections, don't be greedy, Yu'e Bao is the preferred product for ordinary people's pocket money management.

The interest rate of the bank's fixed deposit is about 3%-4%, and the interest rate of Yu'e Bao is about 7%. And the convenience of Yuebao deposit and withdrawal is not restricted, there is no need to queue up at the bank, and it is convenient to deposit and withdraw funds.

The risks are the same, but the bank's wealth management products have used the word "bank" to gain trust for many years.

I think the advantage of Yu'e Bao is that it can be withdrawn flexibly, compared to the bank's demand deposit, but enjoys a fixed interest rate.

Most of the bank's wealth management products are mainly short-term, but the principal cannot be touched during this period, which is equivalent to a small term.

At present, the interest rate is slightly higher, and it is estimated that the bank is about to adjust, and no one will buy the bank's wealth management if it goes on like this.

The annual income of bank wealth management and Yue Bao should be much different, bank wealth management has a threshold, there is a time limit, Yu Yu Bao has no threshold, the time is flexible, and it is convenient to withdraw cash.

In terms of security, bank financial management is better, as long as Yue Bao does not lose password, mobile phone, ID card or something, it is generally no problem.

Bank Finance:According to the requirements of the new asset management regulations, wealth management products, including bank wealth management products, cannot guarantee principal and interest. Of course, not promising to guarantee principal and interest does not mean that wealth management products have great "risk", nor does it mean that bank wealth management is unreliable or "risky", mainly depending on the risk level of the asset target invested behind the product.

Under normal circumstances, early redemption is not possible.

Currency**:Yields have fallen below and security and liquidity are relatively high. According to regulatory regulations, the daily "quick redemption" limit of a single currency** is 10,000 yuan, that is, redemptions within 10,000 yuan can be received in real time.

With the rate of return of money and the limit of 10,000 yuan quick redemption amount, it is suitable for small capital allocation.

Bank Deposits:Enjoy deposit insurance protection (according to the "Deposit Insurance Law": an individual can enjoy 100% compensation within 500,000 yuan for ordinary deposits in a single bank).

You can pay attention to the smart deposit products of small and medium-sized banks, the "interest rate" is about 4%, which has the advantages of high liquidity (can be withdrawn in advance) and the interest rate is higher than that of general time deposits.

At present, bank wealth management is generally higher than Yu'e Bao, but this is relative. It depends on your funds. Bank wealth management is generally a minimum deposit of 50,000 yuan, with a term of 3 months to 1 year.

I said general) can not be redeemed. If you want to use the money in advance, it's troublesome. Alipay's yield is short, and the redemption time is short, and it is not limited by the minimum deposit amount.

Yue Bao is more flexible and the income is OK, **There are more restrictions on the redemption amount, and there are many kinds of bank wealth management products, and there are fewer restrictions on bank operations, so you can choose reasonably according to your own needs.

Analysis:1Yu'e Bao is suitable for the liquidity of funds, which can be withdrawn at any time, and the interest rate is much higher than that of bank demand;

2.For large amounts (more than 50,000) funds that do not need to be used for a long time, the interest rate of Yu'e Bao is not as high as that of bank wealth management, so it is recommended to choose high-yield wealth management from banks.

There are also many types of bank wealth management products, which cannot be generalized. Yue Bao's earnings are now in a downward phase. In order to ensure a stable return on investment, it is recommended to buy some medium and long-term wealth management products from banks. If it is a small amount of money, there is no obvious difference in the suburbs.

The best should be the wealth management products of professional financial institutions.

The annual income is around 10%.

More than 2 times higher than banks.

The landlord is in that city.

Hello! First of all, the interest rate of fixed deposits is fixed, and the income is fixed. At present, ICBC has a one-year, two-year, and three-year term.

The income of Yu'e Bao is not fixed, it changes with the market interest rate, so it is difficult to grasp, but it can be expected that the future should exceed the one-year period, which is no problem, because the general environment remains unchanged, and the funds are still a little nervous in the previous life.

Secondly, the early withdrawal of liquid time deposits can only be calculated according to the current interest rate (. Yue Bao does not affect.

So my suggestion: within two years, it is best to still Yu'e Bao; Three years is a fixed deposit, if you make sure that the money is not used.

If you don't understand anything, please sincerely welcome to ask; If you are lucky enough to help you, please be in time! Thanks!

Bank fixed deposits have different returns depending on the deposit method.

There are two types of fixed savings deposits: lump sum deposit, lump sum deposit, principal deposit and interest, lump sum deposit and zero withdrawal, and fixed and fixed deposit.

"Yue Bao" is a new balance value-added service created by Alipay, a domestic third-party payment platform, users can transfer money to Yue Bao, you can get a certain amount of income, and the funds in Yue Bao can also be used for online shopping, Alipay transfer and other payment functions at any time. Yue Bao has the characteristics of simple operation process, no limit on the minimum purchase amount, high income and flexible use.

In the short term, the yield of Yu'e Bao is higher.

Because of the current shortage of bank funds, Yu Bao invests in currency**, and the current annualized rate of return is about 5-6%, while the bank's 5-year interest rate is less than 5%.

The interest rate of Yu'e Bao is similar to that of the bank for one year. But it's convenient.

Hello, although the income of Yu'e Bao has declined seriously, it can still reach or exceed the income of two-year fixed deposits, and it is a current account in use, so Yu'e Bao still has an advantage.

Yu Bao's baby has recently broken the jar, since the beginning of April fell below 2%, less than 1 month has fallen to the 1-year bank fixed deposit interest rate is one percentage point lower. Why did the yield of Yu'e Bao fall all the way to this bear?