Shulou(Shulou.com)05/31 Report--

Hello everyone, Lin Fei to answer the above questions, LiCaiTong or Yu'e Bao which is the latest news, LiCaiTong and Yu'e Bao many people do not know, now let's take a look!

To put it simply: change is the same as Yu'e Bao (under Alipay). In fact, it is a wealth management product (fund). You can make money by saving change in Wechat wallet. Not to mention the change can also take deposits, do not need to transfer out, directly used for WeChat Pay, red envelopes, Credit Card Repayment, money transfer, very convenient.

Warning: if you have change in your Wechat wallet, you rarely use it. Because the withdrawal fee has not been transferred to the bank card, it can now be deposited to make money without affecting the transfer to others and red envelopes. There is no service charge for returning credit cards!

Inert directory

-how to open a change account? Is there any difference between money exchange and financial management?

-after opening, will it affect the use of Wechat to send red packets and pay?

-do you make more money than Yu'e Bao?

-does it have an advantage over the funds of Tencent Financial Communications and Bank App?

-Summary

Where can I find a ticket change? Is there any difference between money exchange and financial management?

First of all, there are some differences between change financing and change communication.

First find "I"-"change" in Wechat. If you see "change pass" like the small print in the red box, you can open the change pass.

After completing the first risk assessment, users who have opened a change account can "transfer" the money to the change account and wait for the proceeds to be received. If you do not meet the standard of using small change to buy wealth management products, Wechat will automatically prompt that it cannot be opened.

You can also check out several recommended wealth management products that meet your risk assessment in "Fund details" and choose the one with the highest annualized return. Of course, after the transfer, you can always "swap" back, or change to a fund with higher annualized returns.

Note that if you see the words "change financing" in the following figure, it is different from "change financing". Small change financial management only belongs to ordinary financial funds and can not be directly used for all kinds of WeChat Pay.

After opening, do you use Wechat to send red packets and pay?

According to the official statement and the actual measurement of Bian Xiao, the opening of change has no impact on the actual use of WeChat Pay.

You can directly use change as the preferred way of WeChat Pay. Whether it is handing out red envelopes, transferring money to others, or going to the supermarket to buy things, WeChat Pay can directly use change to pay, no need to transfer out, just like using Wechat to pay before. If you pay the credit card with the change, you don't have to pay the extra service charge.

There is no difference between using WeChat Pay and usual.

Do you make more money than Yu'e Bao?

For example, Yu'e Bao is transferred to 153.336 million on the trading day, the change income is calculated on the second trading day, and the holidays are postponed.

However, Bian Xiao also compared the fund's annualized returns with the highest returns of Yu'e Bao and change on November 23.

It can be seen that as of November 23, when Bian Xiao published the press, the 7-day annualized income of the flexible fund has been stable at more than 4.2% in the past three months, with an income of 1.1338 yuan for 10,000 copies. However, the 7-day annualized income of Yu'e Bao in the past month fluctuated between 3.8770% and 3.9210%, with an income of 10,000 yuan. In other words: according to the current rate of return, the same amount of money in change will make more money than Yu'e Bao.

However, a warm reminder: 7-day annualized earnings will fluctuate, this conclusion does not apply to all situations.

Is it better than the financial funds of Tencent Financial Tonghe Bank App?

After comparison, Bian Xiao found that, in fact, the change is also a low-risk, low-purchase money fund provided by LiCaiTong. For other funds provided by LiCaiTong, different types have different risks, threshold for sale and closure period, such as higher annualized returns and risks, with a minimum purchase of 1000 yuan and a fixed period of one month.

At the same time, most of the other funds need to be redeemed after maturity, and it takes a certain amount of time to actually arrive at the account, so it cannot be deposited or directly used for WeChat Pay like change pass.

And we also compared the Super Eagle Nest (currency B) of China Merchants Bank. Super Eagle Nest has an annualized income of more than 4% on the 7th of the last week, but the highest is less than 4.2%, with a profit of 1.0776 yuan for 10,000 copies. In other words, before the November 23rd deadline, Ch

To sum up, if you are invited to open a change pass, and there happens to be some money in the change pass, then saving the change pass seems to be a better choice than directly withdrawing the service fee, which can be directly used to send red packets, transfer money, etc. At this stage, the return is slightly higher than Yu'e Bao.

But as a way of investment, exchanging money does not have much advantage. Other wealth management products can be considered within the scope of risk tolerance.

Finally, Bian Xiao once again reminded: small change and change financial management is different, the latter after opening can not be directly used for WeChat Pay; and investment also needs to be carefully compared. Please make your own financial choices according to the actual situation.

At the end of this article, I hope it will be helpful to you.

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