Yu 'e Bao also made news recently. According to a statement released by Tianhong Fund, the limit of individual trading accounts in Yu 'e Bao will be adjusted to 100,000 from August 14 (Monday). That is to say, the maximum amount we can deposit in Yu 'e Bao is 100,000 yuan. Although Yu 'ebao promises that its existing stock will not be affected, it should be noted that at the end of May, the limit for individual trading accounts in Yu 'ebao was lowered to 250,000 yuan.
Then we can't help but ask, what's wrong with Yu 'ebao, why on earth do we keep limiting?
First, let's take a look at Yu 'e Bao's feat up to now. Since its launch in June 2013, Yu 'e Bao has grown in size thanks to its powerful Alipay platform. It doubled from 574.16 billion yuan at the end of June 2014 to 1.14 trillion yuan at the end of the first quarter of 2017. By the end of the first quarter of this year, Yu 'e Bao fund alone accounted for 12% of the total public offering of 9.21 trillion yuan. According to Yu 'e Bao's second quarter report, the fund has grown to 1.43 trillion yuan, making it the largest monetary fund in the world.
With such a huge scale, Yu 'ebao doesn't want to make money anymore? Of course not. To put it simply, firstly, Yu 'e Bao has to slim down due to the impact of traditional bank financing on Yu 'e Bao. Second, the quota management is to slow down the growth rate and thus contribute to the long-term and stable management of Yu 'e Bao.
Now that Yu 'ebao is limited, will it affect me? The answer is almost none. Why?
Investors with more than 100,000 yuan of idle funds will rarely invest all their funds in Yu 'e Bao. After all, Yu 'e Bao is only a monetary fund, and its yield cannot satisfy the appetite of large investors. If we dig deeper, we can find that although these large investors don't put all their money in Yu 'e Bao, their main way of investing is still funds.
In addition to funds, stocks, gold and other precious metals, futures and other high-yield products are also favored by large investors. So, is there a way to invest money that small investors and large investors are more acceptable? The answer is the rapid growth of online lending in recent years. Online lending has captured the hearts of many investors with its low starting point and high yield. In particular, although the rate of return of online lending products has been decreasing since the beginning of this year, cloud Qianbagao can still maintain good performance.
Moreover, the compliance transformation of cloud money bag has been preliminarily completed, and the Bank of Xi 'an has recently been put online. For investors, the most concerned is risk control. Using a risk control mode combining traditional risk control and big data, Cloud Money Bag locks every penny for users.
Importantly, for the borrower, the limit management of cloud money bag is strictly implemented, and the borrowing limit of the same natural person on the platform does not exceed 200,000 yuan. In turn, a big boon for investors is that they can invest as much as they have money and as little as they don't, with no limit on the maximum amount.
We can calculate that 100,000 yuan invested in Yu 'e Bao will yield about 4,000 yuan a year, while the same amount invested in Yunqian will yield an expected 10,500 yuan. For investors, what kind of products to choose, income and safety or the most important.
