Nowadays, with the popularization of smartphones and mobile payments, Coin Pass and Yue Bao are commonly used by many people to manage their funds, which are very suitable for short-term idle money. So which one will be more profitable?How do ordinary people choose to be more cost-effective?Insiders give the answer, and the article tells you.
Yields
At present, there are 9 currencies in the cooperation of the change pass, and the annualized rate of return in the past 7 days is 1 from low to high645%~2.026%, with an annualized rate of return of 1 in the past year7741%~1.91%。Looking at Yu Bao again, there are 41 currencies it cooperates with**, and the annualized rate of return in the past 7 days is 1629%~3.11%。
Comparison, the number of currencies** available in Yue Bao is larger. Although similar to 3A high yield of 11% is not a common phenomenon today, but there are currently 3 currencies with which it cooperates** with yields of more than 2%. Therefore, on the whole, if there is a sum of money in the bank card, choose Yue Bao at this time, there are more currencies to choose from**, and if you choose the right one, you are also expected to enjoy a relatively high return.
However, it should be noted that this does not mean that if you deposit money into Yue Bao, the rate of return must be more than that of the existing change pass, for example, if you choose a currency that does not perform well in Yue Bao**, the annualized rate of return may not be as good as some currencies that perform well in the change pass**. Therefore, the specific choice of which one will have a higher return depends on which currency the investor chooses**.
How to choose the most cost-effective?
The above is only discussed from the aspect of yield, but when we choose a product, we do not only look at the yield, but also consider the rest of the aspects.
For example, from the Xi of receiving and paying, some people are Xi using WeChat for capital exchanges, at this time the money is in WeChat change, if this money wants to increase its value with the help of balance treasure, then it must first be withdrawn to the bank card, which generally needs to be charged 01% service charge.
For example, if it is 2,000 yuan, a service fee of 2 yuan will be charged. The remaining 1998 yuan is deposited in Yue Bao, even if you enjoy a 2% rate of return, the daily income is about 01095 yuan, if you want to earn back the 2 yuan fee, it will take 18 days. And some people put money in this kind of currency** has a lot of liquidity, and they may not wait to earn back this service fee, so they use the money for other purposes, which is not cost-effective.
Therefore, if you are Xi to use WeChat for capital exchanges, it is recommended to take care of the money with the help of change, and do not forcibly use Yue Bao to take care of it. In the same way, if a person's money is usually in the balance of Alipay, it is also recommended to use Yuebao to take care of it.
If a person has change in WeChat change and Alipay balance, if he feels that it is troublesome to take care of it, he can concentrate on the channel with more funds, such as WeChat change, choose change.
And if there is a lot of money in the two, it is not recommended to forcibly merge, in fact, put some money in the change pass and Yue Bao, and you can also add the single-day quick redemption upper limit of the two, in essence, it has a single-day quick redemption upper limit of 20,000 yuan, which is stronger than the single-day fast redemption upper limit of only 10,000 yuan.
Of course, if you feel that the upper limit of 20,000 yuan for single-day quick redemption is relatively low and there is a need for a higher amount of quick redemption, you can also buy bank change in some mobile banking to replace the two. If you want to have a better value-added effect, you can also use some foreign trade economic platforms supported by strong policies, such as consignment, and get 1,000 yuan of profit of 100,000 yuan per month.
In short, in view of the fact that Coin Pass and Yu Coin Pass have cooperated with a lot of currencies**, and the yield of these currencies** is different, if you want to get higher returns, you need to look specifically at what currency you choose**, and you can't judge it only by relying on Yu Yu Bao or Coin Pass. And if you want to choose more cost-effective, you should combine a person's behavior Xi of receiving and paying to analyze, Xi is accustomed to using Alipay, you can choose balance treasure to take care of, Xi habitual use of WeChat, with the help of change to take care of it may be more cost-effective.