This year, Internet companies and fund companies cross-border cooperation

2013 is known as the first year of internet finance, during which the Internet enterprises and fund companies across the border to seize the people of different uses of idle funds, market segments of short-term financial management. These products reduce the fund investment threshold, the purchase and redemption operation is convenient, with good liquidity characteristics. Recently, the industry's Internet fund controversy, NetEase finance Select the current market focus on a high level of 8 Internet fund products, from the profitability, liquidity, function, cost, investment threshold and other aspects of comparative analysis, for investors to provide a reference.

Yield: Average annual yield up to 5.07% extra subsidy open income gap

The yield is the first factor that the investor buys the product to consider, also is the most important factor, NetEase finance calculates various kinds of Internet fund product after the establishment of the annual rate of Return "calculation method: (period million income and/establishment time)/10000*100%*365" Come, 8 Internet Fund products docking 31 funds after the establishment of the average annual yield of 5.07%, of which, NetEase cash treasure on December 25 the day of the purchase of 20,000 yuan within the amount of 5% subsidy, the total yield of more than 11%. Hundred-Butt 1-month wealth management bond E of the base yield plus the subsidy rate of return of 7.86%, but the product is 1 months regular.

Internet Fund Product Report: average annual rate of return 5.07%

realizable Ability: t+0 real-time to account limiting conditions more support Bank Limited

At present, all kinds of products have t+0 function, but the details vary greatly, the balance Bao only support Citic, Everbright, Ping ' an, bank of commerce in real time to the account, for five major banks and a number of mainstream commercial banking are within 2 hours to account, suning change Bao also promised 2 hours to the account, but the two products in the limit on more, Which balance treasure only support 50,000 yuan below real-time to account, once the customer takes more than 50,000 yuan, will automatically convert to t+1 working days to the account, cash treasure 5 million below are real-time to account, both large and timely; Baidu earns arbitrage efficiency of 20 minutes, but its daily can only draw 250,000 yuan , Suning change PO needs customer certification, non-real-name certification customers can only redeem 1000 yuan a month, the primary certification of one-month redemption 50,000, the senior certification of a single-day limit of only 150,000; financial management through real-time to account support workers and peasants in the construction of the people's livelihood Citic Everbright, Guangdong Bank t+1 to account.

Internet Fund Product Report: average annual rate of return 5.07%

Other functions: Electronic Business Internet Fund product function is more complete

From the point of view of payment, the balance treasure relative advantage is obvious, because binds the payment treasure, therefore it has the purchase commodity, the transfer, the credit card repayment, the payment utility expense and so on many kinds of functions, suning change Treasure by virtue of Suningyun business platform can also realize a certain payment function, can be used for easy shopping, living payment, credit You can also go to an easy pay balance or a bank card. And the rest of the product can not be directly used for online shopping payment. Add rich cash Treasure can achieve credit card repayment, the same city Trans-bank transfer free, mobile recharge.

Internet Fund Product Report: average annual rate of return 5.07%

Investment threshold: 1 yuan to buy is standard current investment threshold of 100 yuan maximum

Compared to the Monetary Fund in general, the threshold of the purchase of money, all the threshold of cash management tools are not higher than 1 yuan, of which, daily Fund network under the highest threshold of demand, but also only 100 yuan, and micro-credit management Qualcomm, add rich cash treasure is low to 1 points.

Holding cost: The overall rate is up to 0.68%

Many investors are not aware that money funds have a base cost, when buying a monetary fund, investors need to pay management fees, custody fees and sales service fees, which is more than the daily income of the funds, the Internet fund holding the same as the traditional Money fund is basically the same, that is, management fees and custody fees and sales service fees, NetEase financial statistics found that Profit treasure, current pass, hundred earn the highest cost, the overall rate of 0.68%.