Alipay balance treasure income will be less and less what is going on?
Sihai network: many people will put their spare money into Alipay, interest is more than what banks want to do, but some people find that the balance of treasure income is falling, so why is Alipay's balance treasure income getting less and less? Let's have a look.
What is the reason why Alipay's balance treasure income will be less and less
Looking back at the history of the balance treasure, the highest yield is in January 2, 2014, the seven annual yield reached 6.763%, far higher than what is now about 2.4%. Before the existence of the balance treasure, it can earn an early meal every day, and now it can take a few days to earn enough breakfast. Why does Alipay's balance treasure income become less and less? This should start from yu'ebao's investment objectives. Yu'ebao is closely related to the tension of market funds, investment bank deposits, treasury bonds, etc.
Now the banks have repeatedly cut interest rates and continue to reverse repurchase and release. The market funds are gradually relaxed, and the yield of the IMF has dropped. So the income from Alipay's balance treasure of the monetary fund is getting less and less normal. 360 financial analysts believe that the current yield of 2.4% is still in a declining channel, but there will be no significant fluctuations in the near future. 。
Alipay balance treasure income will be less and less, that year, more than 6% of the yield is hard to achieve, the balance of treasure no longer, many investors will ask Alipay balance treasure income will be less and less what to do? Financial analysts pointed out that although yu'ebao's income is getting less and less, it is still higher than the bank deposit rate, and it has good liquidity and high security, and yu'ebao's money can be used in multiple payment scenarios, very much.
If Alipay's balance treasure income will be less and less, can not achieve the investor's income expectation, also can try to take part of the money to switch to other financial products, such as national debt, P2P, etc., but P2P risk is higher than the balance treasure, investors should pay attention to investment risk.