Yu'ebao's annualized return on the 7th fell below 1.4%?What should I do if I earn four hairs every day?

Once upon a time, Yu'ebao was the most important way for everyone to pay attention to. Even many people transferred the money to Yu'ebao as soon as they paid. 10,000 yuan to put Yu'ebao can only earn 0.37 yuan a day. What should we think of such low income? What should I do?

1. Yu'ebao's annualized return on the 7th fell below 1.4%?

According to the 21st Century Business Herald, the data shows that on September 8, the 7 -day annualized return of Tianhong Yu'ebao currency was 1.3870%, and after a brief rebound, it fell below 1.4%, and 10,000 yields were only 0.3690.

Some people say: I didn't buy Yu'ebao, I bought other "babies". In fact, the situation is not much better. According to Wind data, as of September 8, the yield of over 90 % of the currency funds in the market has entered the "1 era".

Time back to 2013. In June of that year, Yu'ebao was born and scored the slogan of "financial artifact". In fact, compared to the wealth management tools at the time, it was indeed different. For example, the mobile phone operation is convenient, the purchase threshold is as low as 1 yuan, zero handling fees, consumption and redemption at any time ... These characteristics almost shatter the obstacles when purchasing traditional funds.

What's more "coincidentally" is that the market funds were tight and interest rates up sharply at that time, which also caused Yu'ebao's annualized return on the 7th to 6.7%.

With its own advantages+external opportunities, Yu'ebao soon became angry, and the scale of currency funds was rapidly developed. Wind data show that at the end of 2013, there were only 148 currency funds in the market, with a total scale of 880.2 billion yuan. At the moment (as of September 6), there were 362 currency funds in the market, with a total size of 10.57 trillion.

But on the other side, the yield of currency funds is falling all the way. Especially in 2022, Wind data shows that at the beginning of the year at the beginning of the year, the 7 -day annualized yield of the currency fund can remain above 2%, and the turning point began in April, and after entering August, it fell to 1.53%.

2. Can I only make four hairs every day for 10,000 yuan?

To be honest, it is not ideal to see Yu'ebao's current overall income level. Many people are asking that in the face of daily income, it is so small that every 10,000 yuan is deposited. Under such circumstances, how do we look at the current wealth management products, and how can we invest in our own market?

First of all, the decline in the overall income level of Yu'ebao Currency Fund is actually normal. It is not just the phenomenon of Yu'ebao, but the phenomenon of the entire currency fund. The reason is still relatively loose in the entire market. In the case, in fact, for various banks, when saving the same industry, it is actually unwilling to pay a relatively high cost. The reason why Yu'ebao had such a high financial management income was in the final analysis. The overall industry cost of banks is relatively high. Under such circumstances, Yu'ebao's inter -inter -inter -inter -inter -inter -inter -inter -industry product can often get a relatively high level of returns.

Secondly, with the current decline in the overall market income level, in fact, this high yield of Yu'ebao is also a normal phenomenon. We have observed that in these years, Yu'ebao's overall income level is actually a relatively declining state. Among them. This is actually the inevitable result of the development of the entire industry to a certain stage. With more and more products on the market, the choice of currency funds is getting larger and larger, and the overall income level of the balance of the dependent currency funds has decreased. Very normal, so I have no full reasons that it is normal for the development of the entire Yuebao Currency Fund, which is actually normal. Reality with a low level.

Third, from the perspective of long -term market development, on the one hand, we must recognize the objective situation brought about by the low level of overall market income. It also needs to be understood that on the current market, the income level is not high For a normal phenomenon, we must have sufficient reasons to analyze and judge. We must understand that when we make daily investment, high risks and high returns coexist. If we want to get a higher level of return, we often need to be more needed to be more Carefully study the market layout and more income layout of the entire market. Especially when investing, we must prevent the benefits of paying attention to the entire investment product, but do not pay attention to the risk of investment products. From the perspective of long -term market development, we should more effectively carry out our own asset allocation. Strive to enter the best choice.

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