In terms of income, the daily income rate of Yu 'ebao and Yu 'ebao is different, so the final income is different. It has a specific calculation formula, as follows:
In addition, according to the adjustment rules of Yu 'ebao, at present, Yu 'ebao can only deposit 654.38 million yuan, and the rest cannot be deposited. Therefore, it is more necessary for you to choose a variety of financial projects to diversify your investment.
What other wealth management products can I buy?
First of all, before buying any wealth management, buy 1000 to test the water and let it go for a month to see the benefits.
In addition, if the annual interest rate exceeds 12%, don't buy it, and don't buy it regularly for more than one year. If the risk-taking ability is not high, it is still stable.
The reason for this is the following：
The money you have here is alive when nothing happens and dead when something happens.
For example, I suddenly plan to travel with my family during the New Year holiday. What is the budget?
It is recommended to take out tens of thousands of Yu 'ebao and eat about 3% current interest. Because this money is enough for daily consumption and emergency large consumption.
Then the rest, you can invest in stable financial products for regular financial management.
As for choosing regular financial management, personal suggestions:
If investors have low requirements for liquidity, they can choose a wider range. They can consider short-term financial management (brokers+banks, P2P/P2B), large deposit certificates, bank structured deposits, reverse repurchase of government bonds and other financial management.
1, short-term financial management (brokerage+bank, P2P/P2B).
In a fixed period, such as 30 days to 365 days, it is impossible to actively sell, that is, to redeem at maturity.
The average annualized rate of return of brokerage financing is 4.66%. Based on the principal of 200,000 yuan, the expected income for one year is about 9,320 yuan.
P2P/P2B, fixed income products, annualized rate of return 6%- 14%. This needs to be seen more. The more you know, the more controllable the risk.
A robust P2B platform, such as Infinite Wealth, has always been robust, with five years and zero overdue, and the fixed income is about 10%, which is sent to the VIP entrance of JD.COM Card (webpage link) in 500 yuan.
2. certificates of deposit and structured bank deposits.
Judging from the interest rates announced by some banks, the recent 1 year, 2-year, 3-year and 5-year deposit certificates are 2.28%, 4.18%, 4. 15% and 4. 19%, respectively, which are higher than ordinary time deposits.
In addition, most of the structured bank deposits with good liquidity are within one year, and the yield is around 4%. However, at present, risks such as principal and interest are not guaranteed, and income fluctuations need to be borne by themselves.
3. Reverse repurchase of government bonds.
Individuals lend their own funds through the national debt repurchase market and obtain fixed interest income. At the end of the month and the end of the quarter, the income is as high as 10%, which needs to be carefully selected and analyzed.
Having said so much about financial management, the most important thing is to find a product that suits you. In fact, there is no right or wrong product. It is right to measure your risk tolerance and find the right one.