What kind of fund is Yu Bao? What are the same products as it?

Yue Bao is the currency** brand of Ant Financial. The underlying assets of the currency ** mainly include short-term treasury bonds, central bank bills, bank certificates of deposit and other products with high security, so the security of the currency ** is very high. Similar currencies ** also include WeChat Wealth Management, Jingdong Small Treasury, etc.

The investment targets of currency ** mainly include short-term treasury bonds, central bank bills, bank fixed deposit certificates and other products with high security, so the security of currency ** is very high.

Currency** returns are measured by the seven-day annualized rate of return and 10,000 returns.

The seven-day annualized rate of return is the annualized rate of return of the last 7 days, and the 7 days of each day are different, it will fluctuate and change, and can only be used as a reference standard, which does not mean that you will be this income every day after you buy it.

10,000 earnings refers to every 10,000 cents of income, because the net value of currency ** is always 1, so 10,000 cents of income is how much income can be obtained by buying 10,000 yuan.

Because the earnings fluctuate every day, the annual returns also fluctuate, roughly between.

It is precisely because the security and liquidity of the currency ** are relatively strong, you can choose the one with high returns when buying.

Yu'e Bao is a currency**, and it is the same and similar product, you can refer to the deposit money to the bank, which is easier to understand.

Be**. Yue Bao is a balance value-added service created by Alipay. Transferring money to Yu'e Bao is to purchase the Yu'e Bao currency provided by Tianhong**, which can obtain income, which is a very convenient and fast way to invest.

Yuebao is a service launched by Alipay for individual users to pay through the balance in Alipay. The transfer of funds to Yu'e Bao is to purchase the corresponding financial products from ** companies and other institutions, and through the financial management of time, you can get some income and increase some wealth.

Yu'e Bao itself is a balance value-added service and current fund management product of Ant Financial, so it can only be said that Yu'e Bao is the first third-party product, not **. After you deposit the money into Yue Bao, Yu Yu Bao will connect with the currency ** product for everyone, so that the money in Yue Bao will automatically buy the currency**.

However, the benefits and risks of the currency ** are borne by the currency ** itself, and Yu Bao is only as a service provider. However, before Yu'e Bao was not upgraded, Yu'e Bao only docked with a currency** product - Tianhong Yu'e Bao, and at that time, Yu'e Bao was understood by everyone as **. However, after the upgrade, Yu'e Bao has docked with multiple currencies**, so Yu'e Bao is now more of a current fund management product.

The method of Yue Bao selection:1. First of all, you can consider the past rate of return, because the currency ** of Yu'e Bao docking is basically not much different, and the seven-day annualized rate of return will fluctuate, maybe today's income is high, and tomorrow will fall.

2. The second is to choose an excellent **manager, Yue Bao docking multiple currencies**, each **manager**manager is different, because **is**manager in the management of light or return, so choosing a good **manager is very respectful;

3. You can consider the number of years of the manager, the longer the general years, the more experienced, followed by the management of the past rate of return, the rate of return and so on to consider the selection of an excellent manager, the last need to consider the scale, the general group width is recommended to consider the scale is larger.

At present, there are a total of 8 currencies** in Yue Bao.

At the beginning, Yu'e Bao was connected to the Central European Rolling Money Currency A and the Bosera Cash Income Currency A, and compared with the two, it is obvious that the income of Central Europe is higher.

Later, Hua'an Ririxin currency A, Guotaili Shibao currency, and Invesco Great Wall Jingyi goods A were successively introduced, and the yield of the first access to the Sino-European rolling money currency A dropped, and the currency income of Guotaili Shibao temporarily ranked first.

Recently, Yu'e Bao has expanded again, and GF Tiantianli Currency E and Nuoan Tianbao A are the latest two currencies to be added**.

That is to say, there are currently a total of 8 currencies** in Yu'e Bao, if your Yu'e Bao is not upgraded, then you can only buy Tianhong Yu'e Bao currency**.

Yu'e Bao belongs to currency, which is mainly invested in short-term currency market instruments, such as investment: central bank bills, short-term treasury bonds, corporate bonds, commercial papers, bank certificates of deposit, transactional currencies, etc. On the basis of maintaining the stability and high liquidity of assets, the currency strives to obtain higher returns and achieve safe and stable returns on funds.

Extended Materials. According to different criteria, **investment** can be divided into different categories:

1) According to whether the unit can be increased or redeemed, it can be divided into open-ended and closed-ended. Open-ended non-listed trading (it depends on the situation), through banks, brokers, and companies to subscribe and redeem, the scale is not fixed; Closed-end has a fixed duration and is generally listed and traded on the trading venue, and investors buy and sell units through the secondary market.

2) According to the different organizational forms, it can be divided into company type ** and contract type **. **Established by issuing **shares** to establish an investment company**, usually referred to as a corporate **; It is established by the manager, the custodian and the investor through a contract, which is usually called a contractual type. China's **investment** are all contractual**.

3) According to the different investment risks and returns, it can be divided into growth, income and balance**.

4) According to the different investment objects, it can be divided into four categories: bonds, currencies and hybrids.

Open**.

The full name of open-ended (LOF) in English is "ListedOpen-EndedFund" or "Open-Endfunds", and it is called "Listed Open-End" in Chinese, and it is also known as Common ** in foreign countries.

That is, after the end of the listed open-ended ** issuance, investors can not only subscribe for and redeem ** shares at designated outlets, but also buy and sell the ** on the exchange. However, if the investor subscribes for the ** share at the designated outlets and wants to sell it online, he must go through certain transfer custody procedures; Similarly, if you buy ** shares online on the exchange, and you want to redeem them at designated outlets, you must also go through certain transfer custody procedures.

It is a kind of issuance amount is variable, the total number of shares (or units) can be increased or decreased at any time, and investors can subscribe or redeem at the business premises designated by the manager according to the amount of the issue. Compared with closed-ended**, open-ended** has the characteristics of no limit on the number of issuances, trading** is subject to net asset value, trading over the counter and relatively small risk, which is especially suitable for small and medium-sized investors to invest.