Is Yue Bao a principal-protected financial management? Yu'e Bao is also a very popular financial product now, and many people have put money in Yu'e Bao. So is Yue Bao a kind of capital protection? Let's take a look.
Is Yue Bao a principal-protected financial management?
The Yue Bao in Alipay does not belong to principal-guaranteed financial management, so it is not principal-guaranteed. However, the currency ** docked by Yu Bao has a very low investment risk, and basically there will be no loss, and from the perspective of historical income data, the currency ** has not yet suffered a loss.
The interest of Yu'e Bao is generally calculated according to the seven-day annualized rate of return, the seven-day annualized rate = principal * interest rate * 7 365, if the seven-day annualized rate of return of Yu'e Bao is %, the investor's principal is 10,000 yuan, then it can be calculated that the seven-day annualized return of Yu'e Bao is: 10,000 yuan, and the income of each day is yuan.
The seven-day annualized return refers to the data obtained after the annualized average return of the past seven days, and the current currency** and net worth wealth management are calculated as seven-day annualized returns.
In addition, there is also an interest calculation method of 10,000 income, which refers to the income generated by investors on the day of purchasing 10,000 yuan of a wealth management product (in layman's terms, it is the amount of profit that can be made on the day of investment of 10,000 yuan), which is generally used as a reference for calculating the income of wealth management products, and the calculation formula is: income = 10,000 confirmed amount of 10,000 yuan of income on the same day.
How to withdraw Yu'e Bao income.
1. Open Alipay, click Mine, and select Yue Bao on the page to enter.
2. After entering Yue Bao, click Transfer Out on the page.
3. Select Transfer out to bank card, select the bank card you want to transfer out, if you don't have a bank card, you can click to add a bank card, and then transfer out.
It should be noted that the withdrawal time of Yue Bao to the bank card, if the daily cumulative amount is less than 50,000, it will arrive within 2 hours, and it is generally real-time. If the transfer amount is large, then the T+1 rule will be implemented, and it will not arrive until the next day.