Balance Treasure Announced That The Annual Revenue Is Expected To Be 7% And Guaranteed.

After the Spring Festival, the decline of the yield of "balance treasure" causes concern. For example, the seven day yield of prepaid CAITONG was as high as 7.9020%, and since the festival, it has plunged sharply. The seven level of the latest day is 6.7560%. According to the insiders, the IMF can not be maintained at 7% level for a long time. With the gradual easing of market capital demand and interbank offered rate, the yield of IMF will return to normal level.

　　 Joint Pearl River life impact high yield

And the balance treasure hopes to pass a longer period of higher returns. financial products Stepping on the "pain spot" in the market, "if users have more money in their hands, they have higher pursuit of yield and yield. It is suggested that monetary fund should not be the first choice for financial management."

It is understood that the 2 phase of the exclusive user rights granted by the balance Bao will be on sale on the day of the Lantern Festival. Now the reservation has been started. The annual yield is expected to be 7%. In addition to locking up a year's earnings, it can also guarantee a guaranteed base, but only the user of the balance treasure. According to sources, the balance of the treasure is the insurance product, the product type is universal insurance, so it can promise guaranteed capital guarantee, the partners are Guangdong Pearl River life insurance. In addition, sources also revealed that Alipay is speeding up the development of the upgraded version of the balance treasure. It does not exclude that the above products are the prototype of the upgraded version.

　 Question 1: can the annual yield of 7% be fulfilled?

This upgraded version of the balance Bao claims that the annual rate of return is 7%, and promises a guaranteed capital guarantee. But in the context of the current average annual settlement rate of 4%, is it expected that the annual yield of 7% can be realized?

A third party payment personage thinks that the annual yield of more than 7% of the fund has been somewhat abnormal and will return to a reasonable level. He pointed out that fund companies in the short term can easily make high numbers to attract users, and only half a year or longer can reflect the stability of earnings. He believes that the short-term interest rates and long-term interest rates will soon change.

Alipay believes that the market does have some good long-term investment products, but has a higher threshold, the subscription amount is more than 5 million yuan, and the Internet channel purchase can greatly reduce the investment threshold of retail investors. "At present, the annual yield of all kinds of goods base is above 5%, and the insurance product achieves 7% should not be difficult."

However, some experts remind users to note that on the one hand, the settlement rate of return announced by universal insurance products is not the rate of return on all premiums paid, but the rate of return to individual investment account funds after deducting protection costs and fees. On the other hand, although universal insurance has guaranteed yield (generally between 1.7% and 2.5%), the earnings on the bottom are uncertain, and whether the future will continue is unknown.

Question 2: medium and long term products are not suitable for network?

There is a view that many people buy. Yu Bao CAITONG still values its flexibility, and the medium and long term products do not conform to the "cock wire" characteristics of Internet financing. They will not only divert existing commodity based investors, but also be able to tell whether they can detonate the market again.

In this regard, Alipay believes that all kinds of "treasure" are docking monetary fund, fluctuations in earnings, long-term income is difficult to determine and can not provide guaranteed capital, and some users have access to stable income needs.

In the view of the industry, the positioning of all kinds of treasure is actually a personal customer's cash management tool, so the payment convenience and revenue need to protect the former. But in the future, companies will aim at various financial needs of users, and launch products with different time limits, different risks and different benefits.

Insurance experts: universal insurance, the expected rate of return is not equal to the actual yield.

Insurance experts have warned that the expected rate of return of universal insurance is not equal to the real revenue that customers can get. "What customers get is the actual settlement rate announced by insurance companies on the official website. Moreover, the calculation of the rate of return involves the initial cost of the insurance and the cost of early surrender or partial withdrawal. The actual return is far below that of the Internet promotion.

In this regard, experts remind that when purchasing universal insurance, we need to see clearly the terms of the product, and whether we need to pay additional fees accordingly, such as initial fee, collection fee, policy management fee, risk fee and so on.

　　 Investment Direction or major infrastructure projects

Pearl River Life stakeholders yesterday told reporters that with the Insurance Regulatory Commission's further liberalization of investment channels for insurance funds, more and more insurance funds have also entered some equity assets and infrastructure investment channels. Earlier, the relevant person in charge of Pearl River Life told reporters that he had planned several large-scale investment projects in Guangdong Province, and the yield was more advantageous than the interest rate of the large deposit agreement. Therefore, the industry analysis: "do not rule out the expansion of venture capital investment channels, the yield of products has also risen."