[Introduction: It's the end of the year again, and the year-end bonus is the time for a year of hard work. How to manage the year-end bonus, in the face of the best capital market, many investors choose the "baby" currency products of the Internet platform, with safe funds, stable style and good liquidity. 】
Among the current "baby" products of several major Internet platforms, which one is stronger? The yield data of the past year shows that in the competition of mainstream Internet "baby" products, the annualized average yield of all currencies in JD Finance's small treasury has continued to lead in the past 7 days in the past year, surpassing Alipay's Yue Bao and WeChat's change pass. Among all the "baby" products, the small vault has never "lay flat".
Year-end bonus financial management "baby" products are hot
JD.com's small treasury leads the historical rate of return, and the three major platforms rank first
At present, it is the year-end bonus distribution season, and how to take care of the year-end bonus has become a hot topic. The "baby" currency** with stable returns, the lowest risk, and flexible subscription and redemption can help idle funds such as year-end bonuses to "appreciate" steadily.
The "baby" currency products launched by major Internet platforms have become the first choice for many investors, especially young people. Recently, Ant Yuebao, WeChat Coin Pass, Jingdong Small Treasury, etc., ushered in the hottest "business" peak period of the year. Some data show that from New Year's Day to before the Spring Festival, the funds that enter the "baby" products account for 6% of the total amount of the year, and the popularity of such products in the near future can be seen.
Before the Spring Festival, the income increased, but at the same time, various expenses were also large, coupled with the recent higher returns, the yield of some currencies** returned to the 2% level, so I prefer cash management products with a high degree of security and relatively flexible subscription and redemption. An investor said, "Compared with the baby products of several major platforms, I found that the income of the small treasury is relatively high, and I can withdraw 500,000 yuan in one lump sum, and there is no handling fee for the transfer of funds in and out, which is very in line with my lazy financial needs." ”
Another investor bluntly said, "The small treasury used to have positive returns every day, and it is very practical to use it to take care of the year-end bonus, and the income is indeed better than the products of several other platforms, and it has accumulated a lot over the years." ”
Wind data shows that the income of JD Small Treasury will be ahead of Yu'e Bao and Coin Pass for most of the time in 2023. According to the annualized average income of all currencies of each "baby" product in the past 7 days in 2023, WeChat Coin Pass is 18620%, Yue Bao is 18395%, Jingdong Small Treasury is the highest, reaching 19216%。
Deciphering the historical income of the small treasury is leading the three ** treasures
There are tenFor several years, the income is positive every day, and the maximum is 500,000 at any time
In the context of continuous fluctuations in the capital market, for today's investors, there is nothing more exciting than "lying to earn", and "baby" products are an important tool to help investors "lie down and earn". Among the three major platforms, how can Jingdong Xiaojin Treasury lead in revenue and let everyone "lie down and earn" more?
A ** company person analyzed that for the currency **, within a certain range, its scale is proportional to its yield, that is, the larger the scale of the currency, the higher the yield. However, once it exceeds this range, or even exceeds the team's operational capacity, the excessive amount of funds will affect the investment efficiency, thereby affecting the best returns. At present, the size of the small treasury is still growing, so it can obtain relatively better returns.
Secondly, in the process of operation, it is necessary to combine the risk control ability of product liquidity and managers to carefully select the access currency**.
On the other hand, it lies in taking the initiative to make profits. The underlying assets and investment scope of currency products are strictly limited, and they are similar to each other, with the only difference being the fees. Among all baby platforms, JD Finance's small treasury took the initiative to choose low-rate currency products, which increased the yield of the product in this way, which was actually giving profits to users. The above-mentioned ** company person said.
While achieving relatively high returns, maintaining safety and stability is the "master". Jingdong small treasury as the bottom of the currency of the product, the historical performance is positive returns, the past ten years have never been a loss, especially in the first city well reflects the role of cash management tools, is a safe haven for capital security. Some professionals pointed out that, generally speaking, investors should also allocate a certain proportion of currencies to build a stable asset portfolio** to reduce portfolio risks and cope with unexpected needs.
Investors should also pay attention to their liquidity and risk control capabilities when choosing a currency**. In the case of complying with regulatory requirements, the small treasury has realized functions such as instant withdrawal and rapid withdrawal of 500,000 yuan by supporting the quick redemption of more products, and the liquidity is very good.
New Year's financial savings in a small treasury, spending money to make money
Some users save more than 10,000 yuan a year through the small treasury
Continuously improving the sense of acquisition of investors is the direction of the development of the industry, and it is also the focus of the major distribution channels. The characteristics of the small treasury are that it can be combined with JD's e-commerce ecology, such as the payment and retail services of the linkage JD ecology. It can be said that the more customers use the small treasury, the more money they earn and the more consumers save.
According to data, among the users who used the small treasury to pay for JD APP consumption last year, the one who saved the most money saved more than 10,000 yuan in the whole year, which can be said to have saved a lot of expenses.
During the Spring Festival, the small treasury not only still enjoys the benefits, but also launches a special New Year's event. According to this year's market closure time, as long as customers have a small treasury before 3 p.m. on February 7, they can enjoy the Spring Festival income.
Approaching the end of the year, currency** is becoming more and more favored by financial users. According to wind statistics, thanks to the seasonal rise in interest rates at the end of the year, from the end of December last year to the beginning of this year, sixty percent of the base yields returned to the "2 era". The highest seven-day annualized rate of return of Jingdong Small Treasury has reached 22%。
Debt-based investment is booming, with a 57 percent increase last year
The combination of goods-based + short- and medium-term bonds is "live money +", and the pursuit of income is higher than that of all "baby categories"**
In addition to the pursuit of baby products, people's enthusiasm for bond-based products is also unprecedentedly high. The risks and rewards of this product are slightly higher than currencies, but still lower than those of the Category. According to wind data, short-term net debt** will increase by 57% in 2023, reaching 1,006.2 billion yuan. The short-term pure bond** index has also achieved positive returns for 17 consecutive years, and the investment cost performance is very outstanding.
In order to have good returns, wealth management products must achieve "three understandings": understanding customers (KYC), understanding products (KYP), and understanding the market (KYM). In the current low interest rate environment, bonds** are very cost-effective for medium and long-term investment. Therefore, in addition to undertaking users' live money wealth management through a small treasury, JD Finance has also recently cooperated with licensed investment advisory institutions to launch a "live money +" investment advisory portfolio.
This is a combination of currency and pure debt, with about 50% invested in currencies and % invested in short- and medium-term bonds**. The product page shows that it is suitable to expect an annualized yield of 25%-3.0% of investors, higher than all baby currencies on the market**, providing financial customers with differentiated choices. According to the product introduction, 50% of the funds can be redeemed quickly after confirmation, with a maximum amount of 500,000, which can meet the sudden large amount of money needs of customers.
Some financial sources explained that cargo-based + debt-based products are not very rare, but the innovation of products like "live money +" lies in the introduction of investment advisory services to manage risks. If you encounter a short- and medium-term bond market, the investment advisory team will take the initiative to adjust the ratio of cargo base and debt base to reduce potential risks. This lowers the threshold for public investment in bond-based products, which can be described as a major innovation.
New Year's financial management, whether it is to find a temporary place for your surplus money, or to pursue a stable and secure investment for a long time, small treasury and live money+ have become attractive options. Its high profitability and product innovation all show that they are not lying flat and continue to work hard to earn and save every penny for their customers. （cis）