Which one has a higher return, a small money bag or a Yue Bao?

That large amount of buying will inevitably drive up ** and depress the yield, so the yield will only fall when the economy is in a recession. If the economy is growing rapidly, whether it is the real economy or the financial market, everyone thinks that it is everywhere, then the treasury bonds need to take the initiative to increase the yield in order to attract the attention of investors. Then let's think about it again, what is the impact of this continuous upward movement?

The interest rate of national bonds is like the water at the source of the Yangtze River, if the water price of the source rises, then the price of restaurant dishes will rise, the price of drinks will rise, and the price of bathhouses will rise, so not only the market, but even the assets of the real estate market also depend on its yield. So the interest rate is to the financial markets the same way that gravity is to the earth, you don't notice it, but it has a real effect on you. For example, the bull market of stocks and bonds in 2014 and the bull market of real estate in 16 years all have one factor, interest rates are cheap.

In the view of industry insiders, the rise in monetary yields is mainly due to the shift from monetary policy easing to normalized easing, and the money market interest rate has rebounded significantly, which has promoted the recovery of monetary yields; On the other hand, towards the end of the year, market liquidity will face a seasonal tight situation, and short-end yields are generally easy to rise and difficult to fall.

For the next earnings trend, some industry insiders believe that the superposition is approaching the end of the year, the volatility of the capital side will increase, and the rebound trend of currency income may continue; However, there are also asset allocation institutions that believe that the market as a whole still shows the characteristics of risk appetite upward, and the overall risk-free rate of return is still a high probability event, and these factors will be good for investment opportunities in the equity market.

The income of the small money bag and the Yue Bao are earned by purchasing currency**, so which one has the highest yield depends on which ** you choose to deposit; If both the small money bag and the Yue Bao are deposited into the same **, then the income of the two is the same.

However, even if the small money bag and Yue Bao are deposited in different currencies**, the income is not much different, because the currencies in Yu Yu Bao ** are all the same risk and return**.

This should be stable, because she is a currency-type ** product. Invest in currency**, so it is relatively stable. Monetary **: The general investment object is government bonds, corporate bonds or national project investment, so it is generally relatively stable.

The usual pocket money can be put into the Yue Bao, which can be taken out and used at any time, and can be transferred and withdrawn, so it is very convenient, and there is a certain amount of daily income. The general yield is around 2%. There are still many products similar to Yu'e Bao, such as bank wealth management products.

The higher the risk level, the higher the rate of return. High risk, high return. Generally, the rate of return of high-risk wealth management products is about 4%, and the rate of return of low-risk wealth management products is about 2%.

So choose the right financial product for you according to your preference. No matter what, we must carry out a certain amount of financial management, so that we can accumulate more and more wealth. The so-called you don't manage your money, and your money doesn't pay attention to you.

Yu'e Bao is a currency financial product launched by Alipay and Tianhong**, usually this kind of ** yield is relatively low, but it is safe and stable compared to the high-risk ****, and the current annual yield is about two points.

There is no such thing as a stable income for currency** products.

Yu'e Bao is a flexible financial product for accessing and withdrawing two pence. Yuebao is an attempt in the direction of Alipay's online financial management, with payment functions such as shopping, paying utility bills, and repaying credit cards. Completed the combination of consumption and financial management;

What are the benefits and risks of Yue Bao?

Yue Bao is a service launched by Alipay for individual users to pay through the balance. Transferring funds to Yu'e Bao is to purchase corresponding financial products from ** companies and other institutions. The first phase of Yu'e Bao supports Tianhong**"Yu'e Bao" currency**.

Currency** is mainly used to invest in treasury bonds, bank deposits and other high-security, stable income of the price**, in 2012 domestic currency** 7-day annualized yield on average about. Overall, as a kind of product, there is a possibility of loss in theory, but from the historical data, the risk of stable income is very small. Yu'e Bao Service Agreement.

The funds transferred to Yue Bao are underwritten by Zhongan Insurance, and 100% of the compensation for theft is paid, and there is no upper limit for compensation.

Yu'e Bao is connected to the currency, and the currency is stable and the risk is very low.

As the currency ** brand of Ant Financial, Yu'e Bao's income is not stable, and to be precise, the volatility of income is still very large.

The income of Yu'e Bao is relatively stable at a certain stage.

It's relatively stable. It will be a little higher than the interest rate of the bank.

It's relatively stable, but now it's a relatively stable slow decline.

The small money bag is a financial management tool of Alipay, which is equivalent to an electronic piggy bank established by parents for their children. Alipay's small money bag has an expected return, so what is the expected income of the small money bag? Let's give you a brief introduction, and if you're interested, let's continue to read on.

How much is the expected income of Alipay's small money bag

The expected income, interest-bearing scale and Yuebao of Alipay's small money bag.

It's the same, and they're introduced in turn below.

1. Alipay small money bag interest calculation rules

The interest calculation rules of Alipay small money bag are the same as those of Yue Bao. It should be noted that if the expected return is less than 1 cent on the day, the small purse may not distribute the expected return and will not accumulate the expected return. Therefore, it is recommended that you keep a small money bag holding amount of at least 200 yuan, so that it is easier to continue to see the expected returns.

Alipay's small money bag is compound interest.

, the expected earnings for each day are included in the recognized amount and are used to calculate the expected earnings for the next day. Confirmed amounts are eligible for expected returns on weekends and holidays.

2. If Yue Bao has not been upgraded

If your Yue Bao is an unupgraded Yue Bao when you open the Small Money Bag, then the expected income of the Small Money Bag you open is the expected income of the old version of the Yue Bao Wallet. The seven-day annualized expected rate of return of the old version of Yu Bao is around, and the expected return of 10,000 shares is calculated based on this expected rate of return, and the expected return of 10,000 yuan is about yuan for a day when deposited into the child's small money bag.

3. If Yue Bao has been upgraded

If your Yue Bao is the upgraded Yue Bao when you open the Small Money Bag, then the expected income of the Small Money Bag you open is the expected income of the new version of Yue Bao. After the upgrade, Yu'e Bao has docked more than a dozen currencies**, and the highest expected rate of return is Central Europe.

The expected return of 10,000 shares of rolling money treasure is calculated based on this expected return, and the expected income of 10,000 yuan is about yuan for a day when 10,000 yuan is deposited into the child's small money bag.

At the end of last year, Alipay opened the small money bag function, which is convenient for users with children to use to manage children's daily pocket money, and there is also an expected income when the money is put into the small money bag, and Yue Bao has been more than 5 years from now to now, and it has become the most common way for many people to pay for daily consumption, so which is better, small money bag or Yu Yu Bao? Today, I will make a comparative analysis of the small money bag and Yue Bao from two aspects.

Comparison of the expected returns of the small money bag and the Yue Bao

When you transfer funds to Yu'e Bao, you will choose a currency**, and the expected return of Yu'e Bao is calculated according to the expected return of this **.

The small money bag only supports the transfer of Yu Yu Bao, and enjoys the same expected rate of return and expected return rules as Yu Yu Bao, so the small money bag and Yu Yu Bao are exactly the same in terms of expected return.

The scope of use of funds for small money bags and Yue Bao

The funds in Yue Bao can be transferred out to the user's own bank card or Alipay account balance, and can also be used to pay when transferring consumption.

The money in the small money bag does not support direct use for the time being, if you want to use it, you can pay with the parents first, and then use the withdrawal function of the small money bag to record the consumption of children, but the head of the small money bag can withdraw the funds to Yue Bao.

Although the funds transferred to Yue Bao through the balance can only be transferred out to the balance again or used when consuming, compared with the small money bag, the funds of Yu Yu Bao are more convenient to use and have a wider range.

Conclusion:Judging from the comparative analysis of the above two aspects, in the case of the same expected return, it is obvious that Yue Bao is more convenient to use, but the function of the small money bag is mainly for parents to better manage the pocket money of their children, so I think that this function of the small money bag is still good for family users.

The characteristics of the two determine the difference in yield, and the characteristics of Yu'e Bao are easy to operate, low threshold, zero handling fee, and can be used at any time. In addition to the financial management function, Yue Bao can also be directly used for shopping, transfer, payment and repayment, etc., which is a cash management tool in the era of mobile Internet.

If there is 100,000 yuan, the highest income in Yuebao is yuan, and if you put change pass, the minimum income is yuan, a difference of nearly 1 yuan. And if there is no upgrade Yu Bao, there is still a Tianhong Yu Bao currency**, the seven-day annualized rate of return of the old Yu Yu Bao ranks second to last in Yu Bao, and the income of 10,000 shares is only yuan, and the gap is even greater.

Coin purse is a P2P financial management that uses the company as an intermediary to connect borrowers and borrowers to achieve their respective lending needs. The borrower can be an unsecured loan or a secured loan, and the intermediary generally charges a handling fee from both parties or one party for the purpose of profit or earns a certain interest rate difference for the purpose of profit.

Alipay small money bag is a product developed by Alipay for children, and children's financial education is also the focus of parents' general attention, so the product has attracted the attention and curiosity of many parents after it was launched, so what is the use of Alipay small money bag, is the expected income of small money bag high?

1. What is the use of Alipay's small money bag

Alipay Small Money Bag is an electronic money deposit account created for children as a family unit. The small money bag is opened by the parent's Alipay account, and family members can be invited to join. After opening a small money bag account, parents can deposit funds for their children according to different directories such as regular pocket money and New Year's money.

After the funds are deposited, the parents who have opened the account can directly withdraw the funds, but they cannot be directly used to pay for consumption.

Second, is the expected income of Alipay's small money bag high?

The calculation rules for the expected rate of return and expected return of Alipay's small money bag are the same as those of Yu'e Bao. The seven-day annualized expected rate of return announced by Yu Bao on November 20 shows that the expected rate of return of Alipay's small money bag is not high, but it is more cost-effective than bank deposits.

3. The difference between Alipay's small money bag and Yuebao

1. The transfer method is different

Yue Bao can transfer funds through Alipay balance, bank card, etc., while the small money bag only supports transfer from Yue Bao.

2. Different ways of use

The funds deposited into Yue Bao can be used for online and offline payment at any time, but the funds in the small money bag cannot be used for direct payment.

3. Different ways to take it out

Yue Bao can be transferred out to Alipay balance and bank card, while the small money bag can only be withdrawn to Yue Bao.

On the whole, the financial function and practicability of the small money bag are not strong, and there are great restrictions on both access and payment use, although its expected income is the same as that of Yu'e Bao, but as a daily financial management method, Yu'e Bao will be more suitable.

The advantage of a small money bag is that it is more interesting and can be used as an aid to children's financial management. The above content about what is the use of Alipay's small money bag, I hope it will be helpful to everyone. Warm reminder, financial management is risky, investment needs to be cautious.

First, from the earnings side. The income fluctuation of Yu Yu Bao is relatively large compared to the fluctuation of Xiao Qian Lahuibao, and the seven-day annualized rate of return of Yu Bao is also higher than that of Xiao Qian Bao, the seven-day annualized rate of return of Yu Bao is usually about 4%, and the change of money is in, so in terms of income, Yu Bao is slightly higher than Xiao Qian Bao.

Second, from the perspective of investment thresholds. The minimum investment amount of Yue Bao is yuan, and the starting amount of change treasure is 1 yuan, although the minimum investment amount of both is very low, but Yu Bao's is slightly lower than that of the burying book.

Thirdly, from the functional aspect. Yue Bao can not only be used for the payment of Tmall and ** online goods, but also for the payment of offline goods; The change treasure can only be used to pay for the goods on Suning Tesco, and cannot be used for the payment of other online and offline goods.