Really powerful! To explain the wealth-changing function

This time I have to talk about Alipay. Treasure is Taobao wealth is a separate channel, the sale of wealth management products and Taobao money is also similar, but treasure a, Taobao financial products on the total unattractive.

Although the wealth of money on the sale of financial products have universal insurance, funds, personal loans, and small and medium-sized loans, but the fund does not support the cash, personal loans and small and medium-sized enterprises you will not be robbed, so today only said universal risk of the transformation of the function.

For example, the treasure to sell a universal insurance, the annual rate of return is 6.9%, the term is 3 years. If you do not mind to buy universal insurance (Taobao has been on the shelf, want to buy also can not buy), it may be regarded as the basic risk-less products. Buy 10,000 dollars, every year to get 690 yuan of income.

But the term of this product is three years, if you want to take the money out after a year, but also can be paid in advance, but the high fees basically put your that point of income lost. This is true for most of the products that have a deadline, either they are not allowed in advance, or they are not cost-effective even if they are paid in advance.

Recruit Treasure has made a very powerful function, called the cash out, can let you not expire the universal insurance to change hands out, advance to get the money. Or the previous example, 6.9% of the three-year universal insurance. Now has been taken for a year, the equivalent of 10690 yuan in hand, if the early withdrawal will lose a lot of fees, not cost-effective.

What about the realizable function offered by the Treasury? The equivalent of this universal risk hand over to others, you first take 10690 yuan away, take over the people continue to enjoy the remaining two years of 6.9% earnings-have the proceeds or you have to pay the price is only 2 per thousand of the handling fee. In general, the longer the term, the higher the yield, for example, the three-month universal risk to 6% even higher. Now the treasure can make the long term of the universal insurance to change at any time, of course, to buy this benefit is better, in case of need of money in the middle, with the conversion of cash is the function. 2 per thousand of the fees are really very kind, although you are out, but I suggest that when it does not exist, otherwise you calculate the amount of time will be very troublesome.

Then will there be no success? Of course there will be. Suppose that the recent money shortage, a variety of wealth management products yield soared, you hang 6.9% of the product out, no one would like to take over. But under the recent economic situation, the rate of return is unlikely to soar in a year or two, and is now at a slow downward cycle.

Is there any risk to this universal insurance? You have to see your own choice, universal insurance is guaranteed to 2.5% of the proceeds, no one dares to say that 6.9% of the proceeds can certainly be achieved. If you have confidence in the universal insurance and the Alipay behind it, try it. If you think of insurance is really uncomfortable, do not add to their own plugging, the yield difference of a two percentage points does not make any difference, a treasure on the impulse consumption is all offset.

If you still want to know what the function is, please keep looking. You do not rob the treasure on the personal loan products, in fact, is to accept others listed out of the Treasury wealth management products. Strictly speaking, the policy-holder of universal insurance does not change, only after Zhang the universal insurance to Doe, Zhang's Universal insurance will be transferred directly to DOE's account. To put it bluntly, two people borrow money from each other and collect 2 per thousand of the fees from the Treasury.

The above calculations do not consider compound interest, if you want to see the exact number of the change, and so I bought the 1000 pieces of the universal insurance to earn back after the processing fee, do a change to everyone to see the accurate data. The insurance company pays the final income not to change, incurs the treasure to collect 2 per thousand handling fee also not many, really did not have any loss to eat. The only thing to worry about is how many people will be able to use this liquidity function. The more people you use, the more convenient it is to become present.

Peer-to-peer platform on the transfer of the project is also a truth, but the risk is higher than the treasure, because Peer-to-peer products than the universal risk of high risks, peer-to-peer companies than Alipay risk, Peer-to-peer platform users are more than enough. The liquidity of financial assets is a big problem, and the financial risks involved may be complex. If someone talks about the financial risk of the cash-for-money function, then don't swear. It is not contradictory to recruit treasures that may lead to global financial risks.