Wealth management product income decline, collective return about 4% "small era"

In the background of relatively loose capital, the bank's financial management, financial debt, Money fund income is a total decline, collectively returned to about 4% of the "small era."

According to the Taurus Financial Network statistics, in July 22, the Taurus network statistics of the Internet, the fund company and the banking Department of the three major financial baby products, the internet baby to the average 7th annual yield of 4.59%. But the fund company department Baby and the bank department baby respectively s 58% and 4.4%.

According to the data of the gold wind, the average annual yield of the 2009-2013 Monetary Fund is 1.38%, 1.78%, 3.39%, 3.77%, 4.17%, in the last 5 years. At present, more than 4% of the money fund and nearly 5 years of the average rate of return on the Monetary Fund is a normal level.

In the "Baby" type of money fund, each baby also has its own characteristics, and the most full-featured, most of the application scenarios, the balance treasure in addition to the cash management function, can also direct shopping payment, transfer, pay the water and electricity, charge mobile phone, credit card, buy lottery tickets, buy train ticket, participate in 0 yuan to buy a machine, purchase a deposit to enjoy 3 months income, etc. More close to the user's daily life needs. Tianhong Fund said that the original intention of the balance is based on the fund into the concept of life, to such a product core based on the product application scenarios and functional upgrading of the balance treasure there is a lot of development space, the future balance treasure there will be many new play. In terms of profitability, the future capital will remain relatively loose, so the balance treasure will maintain a relatively stable state. China Classics