某次跟闺蜜喝茶,谈起自己在财政上的苦恼,闺蜜笑我OUT了,竟不懂得巧妙使用余额宝。她说“余额宝”很神奇的,既可让小钱生钱,也能随用随取。我听着懵懂,回家百度后才知,余额宝是支付宝为个人用户推出的通过余额进行基金支付的服务,用户把资金转入余额宝,即可向基金公司等机构购买相应的理财产品,其最大卖点是高收益。目前,国内货币基金的年化收益率普遍在3%~4%,而活期存款的年收益只有0.35%。简单来说,同样1万元,通过活期存款一年的收益只有35元,而如果通过余额宝,一年的收益可以达到300~400元,收益比活期高出近十倍。 A girlfriend with a tea, talking about their financial distress, girlfriend laugh at me OUT, did not know how to use the remaining treasure. She said “Yu Po Po ” is amazing, both can make money for money, but also can be used as soon as possible. I listened ignorant, I learned after returning home Baidu, Yu Bao is Alipay launched for individual users through the balance of funds to pay for the service, the user transferred funds into balance Po, you can fund companies and other institutions to buy the appropriate financial products, Its biggest selling point is high yield. At present, the annualized rate of return of the domestic monetary fund is generally 3% -4%, while the annual return of demand deposits is only 0.35%. In short, the same 10,000 yuan, through demand deposits of only 35 yuan a year, and if the balance Bao, a year’s earnings can reach 300 to 400 yuan, the income is nearly ten times higher than current.