Docking two 1-year universal insurance products, the expected annual yield of up to 7%

Alipay "Yuan Xiao Money" Today 10 o'clock in the morning on the line, docking two 1-year universal risk management products, the expected annual yield of 7%.

The two products are the Pearl River Life of the "Pearl River 1th", the sale of the scale of 380 million yuan, as well as Tian an life insurance "days of peace and security surplus B", the sale scale of 200 million yuan.

As of the time of the press, Yuanxiao two products are sold out of money. The data provided by Alipay show that the above products have been snapped in 3 minutes.

Higher threshold

With the Balance Treasure 1 yuan purchase threshold is different, Yuanxiao money set up 1000 yuan minimum purchase amount, each user limit buys 2000, namely 2 million yuan. In addition, it only sells to users who have purchased the balance treasure.

Because the scale is small, the single sum is higher, the Lantern Festival finances encounters "gruel" the difficult problem. Even if each user buys only 1000 yuan, the Lantern Festival financing can only accommodate 580,000 users. Yesterday afternoon, the balance of the purchase of Yuan Xiao Yuan treasure the user has reached 2.22 million people.

By contrast, as of the middle of January this year, the balance of treasure users close to 50 million, the total size of 250 billion yuan, docking of the Tianhong fund beyond China, sitting on the largest single fund of the throne. Yuanxiao is only the size of the balance Treasure 2 per thousand of the amount of users are not the same level.

Guaranteed 2.5% Gain

On the revenue side, the two products of Yuan Xiao's financial management, although it is claimed that the expected annual yield of 7%, and the promise of "Guaranteed capital guarantee", but it also clearly pointed out that "capital preservation guaranteed" means to ensure the safety of the principal, and have a minimum of 2.5% of the annual yield. In other words, users are not allowed to earn 7% of their revenue by default in 1 years.

Yuanxiao Financial docking Two of the universal insurance, such products are characterized by the basic function of insurance at the same time, but also to generate a certain amount of revenue. It is worth noting, however, that it is not easy to achieve a 7% per cent annual return on universal risk.

According to the CIRC, the National insurance industry last year achieved investment income of 365.83 billion yuan, the yield of 5.04%, up 1.65% from the previous year, is the best level in nearly 4 years. This figure is still quite a distance from the 7% campaign.

Pearl River life One person in charge previously explained that the expected yield of the product can reach 7%, there are two reasons: first, the cost of net-selling insurance products is lower, the second is to lock up some of the higher investment income projects, including some infrastructure projects.

Locked for 1 years

With the balance treasure, financial management, such as docking t+0 money funds of the financial products compared to the investment dumplings are two 1-year universal insurance, mobility is very different.

According to the introduction of the Lantern Festival, users in the purchase of the above two products, enjoy a 10-day "hesitant period", during which the waiver fee. However, if a user withdraws in the case of a period of not more than one year, it is necessary to pay a handling fee equivalent to 3% of the amount withdrawn.

Yuan Xiao Yuan financial monthly settlement income. This means that the principal will suffer a certain loss if the user is to surrender in the short term.

Yuanxiao financial return to the "Pearl River Hui win 1th" insurance against the expected return of 100,000 yuan: Under normal circumstances, 30-year-old customer insurance coverage of 100,000 yuan, according to the annual rate of return of 7% calculation, due to the profit of 7020.52 yuan.

Alipay people have made it clear that yuan Xiao money is not "balance treasure 2", the latter is still in the research and development stage. Also some analysts said, Yuanxiao money is only Ali financial to more types of network financial management of a test water.

Update: Lantern Festival Finance has just announced, "Days of peace and security surplus B" additional 300 million yuan, today 13:00 on time to open the robbery. The total size of yuan Xiao money is enlarged to 880 million RMB.