Why isn't it advisable to keep the money in Yue Bao as soon as you get paid? This is a question that many people want to ask. Many people may think that Yu'e Bao is a wealth management product launched by Alipay, which corresponds to a low-risk currency**, which is higher than the interest rate of the bank's current deposit, and can be accessed at any time, so why not transfer it as soon as the salary is paid? But the bank clerk spoke out about this question"Facts"。
We have to make it clear that Yu'e Bao is actually essentially a currency product. Although its interest rate is higher than that of bank demand deposits, it is actually lower than the interest rate of bank fixed deposits. Moreover, the interest rate of Yu'e Bao is not fixed, it will be adjusted according to the changes in market interest rates. For ordinary people like us, it may be difficult to enjoy the high interest rate on bank deposits if they deposit money in Yue Bao as soon as they pay their salaries.
The income of Yue Bao is not as high as many people think. Although its interest rate is indeed higher than that of bank demand deposits, Yu'e Bao's income mainly comes from management fees and sales service fees. The management fee rate of Tianhong Yue Bao is 03%, sales service fee is 025%, accounting for 545% and 275%, equivalent to about 4 billion yuan of the 7.4 billion yuan of total revenue. If we put a month's salary in Yu'e Bao, according to the current income level of Yu'e Bao, the monthly income may only be a few dozen yuan or more than 100 yuan. And, if you don't keep your money long enough, then your earnings will be reduced accordingly.
Keeping money in Yue Bao does not guarantee the safety of our funds. Although Yu'e Bao is a wealth management product launched by Alipay, it is actually an online wealth management product and has certain risks. The security of Yu'e Bao's funds is guaranteed by Alipay, however, if your Alipay account is stolen, then the money in your Yu'e Bao may also be stolen. In addition, if there are some technical problems or other unavoidable risks, then the money in your Yue Bao may also be affected.
If your salary is transferred to Yue Bao as soon as it is paid, then your bank statement may be affected, which may also affect your loan approval. Although the statement in your bank card is very important, if you do not have any deposit records in your bank statement, then the bank may think that you do not have enough savings and may reject your loan application.
In general, although Yue Bao is a more convenient way to manage money, it also has some shortcomings. When we choose wealth management products, we should choose according to our actual situation and needs. If you have a large amount of money and want to pursue a stable income, then a fixed deposit or treasury bond from a bank may be a better choice. If you have a small amount of funds and want to pursue flexible returns, then Yue Bao or some other online wealth management products may be a better choice. However, no matter which financial product we choose, we should pay attention to risk control, allocate funds reasonably, avoid excessive investment, and protect our property security.