1. Security Analysis of the Principal
As a monetary fund product, China Bank's salary wallet currency is managed by Industrial Bank, and its management and operation are supervised by regulatory agencies, so its assets are highly secure. At the same time, only under extreme market conditions can money fund products lose money. Historically, the Bank of China's salary wallet coins have never lost money.
2. Analysis of expected yield of products
Money fund products are actually similar, but in terms of expected rate of return, it is a strong competitive point of products. The 7-day annualized expected rate of return of China Bank's salary wallet currency is the daily annualized expected rate of return. According to the similar ranking in the past six months, the salary wallet currency of Bank of China ranked 62nd among more than 600 money funds, but in the past week, it fell to 2 19. In the long run, the expected yield of this product is still good.
3. Investment risk analysis.
The investment direction of money funds is strictly regulated, and from the investment strategy of BOC salary wallet currency, the products mainly ensure good expected returns and liquidity, then keep low risks, and finally obtain stable expected returns higher than the performance benchmark. In this way, the investment risk of BOC's salary wallet currency is relatively low. After all, the risk of money fund products is only higher than that of bank deposits.
When Alipay buys BOC wallet currency, the interest rate is zero, and the minimum purchase amount is only 100 yuan. As a monetary fund product, BOC salary wallet currency may be more easily recognized by investors to some extent. Therefore, we can see that in Alipay Fortune, many bank-based money fund products have been launched.
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