Love money into is a hot platform in the near future. Both the loan side and the financial management side pay more attention to people, and the platform publicity is also strong. How to play love money into? Which is better? Love money into and yu'ebao? Love money into seems to have higher risk than yu'ebao, so it's better to be cautious when investing!
I. how to play with money?
Aiqianjin (Beijing) Information Technology Co., Ltd. (hereinafter referred to as "aiqianjin") is a P2P platform of Pratt & Whitney financial information service (Shanghai) Co., Ltd. It can make investment or loan through aiqianjin platform.
The account period of aiqianjin products is relatively flexible, covering products from three months in the short term to more than one year. The expected annual return rate is also relatively high in the industry, 8% - 9% in the short term, about 12% in the long term and about 5.5% in the current period.
2. Which is better, love money and yu'ebao?
Expected annualized income: at present, the historical expected annualized income of aiqianjin is about 5.5% - 12%, far higher than the expected annualized income of yu'ebao of 2.2%.
Security: as a P2P platform, aiqianjin still has certain risks, especially the borrower's overdue risks. Yu'ebao, as a current fund product, takes as it is deposited, so the risk is relatively small.
Background: aiqianjin is a private platform with a general background, but it has ever obtained venture capital, which is a relatively reliable platform in the industry. As a financial product of Alipay, the balance treasure is backed by a strong Alibaba group. Security needs no concern. It should be second only to the safety of banks.
To sum up, compared with yu'ebao, AI Qianjin's expected annual income is higher than yu'ebao, which is safe, but slightly lower than yu'ebao, and there is no flexibility of yu'ebao.