How come such a high income

As we all know, the internet "various kinds of treasure" that are being sold or for sale are mostly benchmarked by the balance of treasure. In the end, they are still monetary fund products. In general, the risk of investing in a Monetary Fund seems to be negligible at best, but its revenue is ceilings, 5% is already a relatively good result, and under certain circumstances it may even be lower than regular savings.

It seems to have reached a time not to talk about the money to play on the time, especially for many IT Gangster.

This period of A-share market speculation on the subject of Internet finance seems tepid, but in no way can affect a wave of Internet companies to do more Internet financial market's determination. Following the 8% profit of Baidu hundred percent of glitters pocketed the eye after last week, there are more expected news came: First, it is said that online travel giant Ctrip come up with far more than one hundred hair Ctrip, one is Sina will push Revenue breakthrough 10% of financial products wave gold. The most straightforward is the East Fortune Network, simply put out on his home page live treasure annual income "10% -11%" of the big ads.

Clearly to qi fund managers to do faction - easily 10%, but also be crowned with "zero risk", which allows fund managers to raise funds to spend points, how to get along?

As we all know, the Internet is currently on sale or for sale on the Internet, "a variety of treasure" more than the amount of treasure as the benchmark, in the final analysis is still the Monetary Fund products. Common sense, the risk of investing in monetary funds seems to be low to negligible, but its revenue is ceilings, 5% is already a very good result, under certain circumstances may even be lower than the regular savings.

Never thought, 8% of Baidu has just played a lot of fund guy, which is less than two months, 10% has become popular. We can not help but ask: 10% from where?

Of course, can be attributed to the "money shortage" of the approaching year. The returns of all varieties in the inter-bank market have been hovering at high levels this year, and should be able to have a new market situation when the fund level is tight at the end of the year. But this is simply not enough to meet the high yield of 10%.

Another possibility is to copy the rumors of Baidu Baifa hidden mode. Huaxia cargo base can actually bring the benefits should be between 4% -5%, but users buy one dollar per hundred hair, Baidu also voted with a dollar - anyway, the total foreign known only 10 million, The promise of an 8% return is also two months deadline. As soon as the time comes, the benefits to all netizens, Baidu back 10 million of the money like. However, 8% of the commitments still bottom of heart, 10% is not too high?

Only one of the most impossible possible - lose money earned. IT bigwigs know that this is not the purpose, as soon as possible in the Internet market, knocking a nail products, the flow of the cash flow. The traditional fund companies so to co-ordination even governess, but also a kind of collective anxiety in the industry under the auspices of prostitution. The reason is simple: however, you have to refuse to make some money now. In the future, you will not even have the space to earn some money.

Remember Yi Fangda gather A profit? Double the whole network sales of the largest fund, less than 3 days sold 339 million yuan. As the first domestic fund to be issued and set up through a single online channel, its expected return of 6% has "stunned" the traditional fund circle. What is its actual approach? Or E Fund Fund plans to come up with 200 million yuan of its own funds to participate in investment, as a B-level to support A-level revenue ... But even so, as the traditional fund products to the Internet, one of the model of active transformation Ease side still can not afford the next game. A fund guy has been grieving propaganda: At present, the basis of fund companies in the fund all the professionals can not do 10%!

Since professionals are unable to do so, presumably the IT bigwigs who know little about investment can not do it, so 10% must be within its controllable marketing gimmick. In order to compete for the market, would rather pay their own pocket fund companies or forcing co-operation, but also to seed customers to win over. But things are by no means simple.

Ctrip has changed its mouth - Ctrip treasure is not a financial product, but prepaid card products, is to allow customers to be the future of Ctrip occurred in advance of the consumer money to Ctrip and get some rebates. Rebates can only buy Ctrip products, and the proceeds of the conversion, however, but about 4%. The so-called wave Lang gold, but also smell the stairs ring, no one down.

Think of Baidu Baifa start advocacy when regulatory involvement, product compliance should be one of the reasons. But more important reason, should be stressing the customer experience of IT bigwigs are not calm enough. Tricks have been exhausted by Baidu, easy to square up, you can play what new tricks come? Is nothing more than two percentage points to increase the expected benefits, or to extend the product a month, but after that? You and How to continue to lock in these high-yield only grab the target investors?

I have to mention Zhou Hongyi. Weeks ago, the cannon did not intend to get involved in the internet finance recently. "There is not any accumulation in the financial business for the electricity supplier. Basically, they are idiots. Some fund companies and banks are looking for cooperation with us and I did not agree. Understand, and secondly, my heart still has a lot of doubts: why all the Internet companies in China, are now running to finance it? Why can not do something interesting thing their own? US Internet companies have their own site, will not I do all kinds of online banking, making payments, but now it seems that all Internet companies in China are doing financial. I do not understand. "

He does not understand his business, but as a reluctant investor should understand at least one thing: "cash management" and "investment banking" are two levels of behavior. For example, Yu Po, worthy of a model for cash management, but by no means an investment in financial management artifacts. If you short-term idle funds, of course, can be transferred to the balance of treasure, but if you have a lot of spare cash in the hands of the stock market is not cold, why not take to buy a higher return on bank financial products?

Reeling every day in the circle of friends sunburn treasure gains, in fact, and take the lead in the QQ group shouting single buy shares, just to meet their own vanity, little value to others. Think about it, as early as 1999, Paypal set up a money market fund that uses account balances. In 2007, the scale of the fund once reached its peak of 1 billion U.S. dollars. However, since the financial crisis in 2008, the returns on the money market funds in the United States dropped to 0.04%, only 5% of the peak in 2007. In July 2011, Paypal had to liquidate the Monetary Fund.

Steal that the "high yield" that everyone is currently discussing is nothing more than a specific product of the transitional period. You know, not so much Internet finance in the subversion of the so-called rules of the game, as soon as the interest rate market-oriented day really come, Jack Ma now advertise the Internet finance "revolution", are really some pediatrics.

Reprinted please specify: column stubs financial key people Murong scattered personal WeChat public number mr3diary. Welcome attention, welcomed the proliferation.