Comparing the income of Coin Pass and Yue Bao, how to choose the more cost-effective? Here comes the best answer
Nowadays, with the popularity of smartphones and mobile payments, Coin Pass and Yue Bao are commonly used financial management tools for many people, which are very suitable for taking care of spare money in the short term. So, which one will be more profitable? How do ordinary people choose the most profitable? Experts have given the answer, and this article will inform you.
Production. At present, there are 9 currencies** that cooperate with Coin Pass, and the annualized rate of return in the last 7 days is 1645% to 2026%, the annualized rate of return in the last 1 year is 17741% to 191% between. In terms of Yu'e Bao, there are 41 currencies** that cooperate with it, and the annualized rate of return in the last 7 days is 1629% to 311%。
It can be compared with a larger number of currencies** in Yue Bao. Although now 3High yields of 11% are uncommon, but currently 3 of the currencies it works with** can yield more than 2%. In short, if there is a sum of money on the bank card at this time, it is best to choose Yue Bao, plus the optional currency**, if you choose the right one, you are expected to enjoy a relatively high rate of return.
However, it should be noted that this does not necessarily mean that if you deposit money into Yue Bao, the rate of return will be higher than that of Coin Pass. For example, if the performance of currency ** is not very good, choose Yu'e Bao, and the annualized rate of return may not be as good as the performance of some currencies of Coin Pass. Therefore, the specific choice of which yield will be higher depends on the actual choice of investors for investment**.
How to choose the best deal.
The above is only from the perspective of yield, but when we choose a product, we should not only look at the yield, but also consider other aspects.
For example, due to the Xi of receiving and paying, some people are Xi to using WeChat for currency transactions, and the money in WeChat at the moment is change, if this money wants to use the treasure house of Yue Bao to increase its value, then it is first necessary to withdraw to the bank card, which needs to be charged about 01% service charge.
Assuming that it is 2000 yuan, the service fee is about 2 yuan, and the remaining 1998 yuan is deposited in Yu'e Bao, even if the yield is 2%, the daily income is 0Around 1095 yuan, it will take 18 days to recover the service fee of 2 yuan. And some people deposit this kind of currency** in cash, which is very liquid, and can't wait to recover this service fee, the money will be diverted for other purposes, which is very uneconomical.
Therefore, if a person is Xi using WeChat for capital transactions, it is recommended that it is best to use change to deal with it, rather than forcibly using Yue Bao to deal with it. Similarly, if the money is usually in the Alipay balance, it is also recommended to use Yuebao to deal with it.
If a person has change in WeChat change pass and Alipay Yue Bao, and feels that it is difficult to deal with the east and west families, he can concentrate on the channel with the most money, such as WeChat change pass, and choose change pass where there is more money.
And if the two sums of money are a lot, it is not recommended to forcibly merge, in fact, put some money in the change pass and the balance treasure, and at the same time add the single-day fast redemption quota of the two money, basically the single-day quick redemption limit is 20,000 yuan, which is stronger than putting two sums of money together and the single-day quick redemption limit is only 10,000 yuan.
Of course, if you consider that the quick redemption limit of 20,000 yuan per day is relatively low and there is a large demand for quick redemption, you can also buy bank change wealth management business in some mobile banks to replace the two. If you want to have a better value-added effect, you can also use some sales in the foreign trade economic platform with strong political support, etc., and you can make a profit of 1,000 yuan a month for 100,000 yuan.
In short, in view of the fact that there are many currencies that Coin Pass and Yu Bao cooperate with, and the yield of these currencies is not the same, if you want to get a higher rate of return, you must specifically analyze the choice of currency**, and you can't just rely on Yu Yu Bao or Coin Pass to judge. If you want to choose a higher income **, you can combine a person's payment Xi habits to analyze, Xi is used to using Alipay, you can choose Yu Bao to take care of, Xi is used to using WeChat, with the help of change to take care of it can get higher income.