Investment objects of Baidu Baifa Financial Management Baidu Baifa Financial Management products

1. What is Baidu Baifa? How is Baidu Baifa's income? 2. Which one is better, Baidu Baifa or Yu’E Bao? What is the difference between the two? 3. Which one is better, Baidu Baifa Financial Management or Yu'e Bao? Comprehensive comparative analysis 4. How about Baidu Baifa Baizhuan? Is it safe? 5. How to calculate the revenue of Baidu Baifa? 6. What is Baidu Baifa? What is Baidu Baifa? How is Baidu Baifa's income?

; 1. What is Baidu Baifa?

Baidu Baifa is an Internet financial product launched on October 28, 2013 by Baidu Financial Management, a financial management platform under Baidu. Baidu Baifa has the slogan "If we unite, there will be 8 Baidu Baifa Financial Management. All people will form a group to deposit money, and they will become rich and handsome Baidu Baifa Financial Management!" It has the characteristics of low risk, low threshold and high expected annualized expected return.

2. Investment scope of Baidu Baifa

The fund that Baidu Baifa backend connects to is Harvest 1-month Financial Bond E. Baidu Financial Management promises that 100% of the investment scope of Baidu Baifa Financial Management funds will be bank agreement deposits. The so-called bank agreement deposit is a deposit business in which an institutional legal person signs an agreement with a bank on the expected annualized interest rate, agreed term and amount of the deposit. The minimum deposit amount of the agreement deposit is generally RMB 30 million, which must be deposited in one time and withdrawn in one time. Through this fund, we can gather small amounts of funds from individual investors and negotiate with banks to obtain deposits with high expected annual interest rates that can only be obtained by institutions. In general, when bank funds are in short supply, the pressure on bank deposits increases sharply, and agreement deposits will rise to annual highs. At this time, Baidu Baifa will intervene at the right time and will have the opportunity to obtain higher expected annualized returns.

3. What are the expected annualized returns and risks of Baidu and Baifa?

Baidu and Baifa’s highest historical expected annualized expected return rate is as high as 8. The fund (Harvest 1-month Financial Management Bond E) connected to Baifa's backend is invested in bank agreement deposits in this period. The risk of agreement deposits in Bank of China is zero, so the possibility of loss is extremely low. After the fund is established, the funds will be held in custody by Bank of China, which can ensure the dual security of funds and investment operations.

The first phase of Baidu Baifa ended on January 24, 2014. However, more financial products on Baidu Financial Management Platform have been launched one after another. In addition to Baidu Financial Management B, which has also been sold out, Baidu Baidu and Baidu Baidu Profit Compounding Edition, which are expected to have annualized expected returns, are still available for subscription. Which one is better, Baidu Baifa or Yu'E Bao? What's the difference between the two?

; After the advent of Yu'e Bao, there was a craze for Internet financial management. Many Internet giants and traditional finance joined the fray and released Internet financial products one after another. Preparing to seize the Internet financial market, Baidu released the Baidu "Baifa" financial product in the same year. So which one is better, Baidu Wealth Management or Yu’E Bao? What's the difference between the two?

Baidu Baifa is a product jointly developed by Baidu Financial Center and China Asset Management, while Yu'ebao is jointly created by Alibaba and Tianhong Fund. Baifa is a product of Baidu Financial Management, a subsidiary of Baidu, but according to the information, Baifa should be a relatively independent operating department and is not completely affiliated with Baidu Financial Management. Yu'e Bao is an Internet financial product operated by Alipay, a subsidiary of Alibaba Group (the familiar parent company of Taobao). From the perspective of all aspects of transfer in and out, Yu'e Bao should be completely affiliated with Alipay.

Expected annualized expected return

The expected annualized expected return of monetary funds follows the market and fluctuates with market fluctuations. Simply put, the annualized expected return of Internet financial management is Yields are unlikely to stay at high levels forever. The historical expected annualized expected rate of return of general monetary funds is around 3-4, and the historical expected annualized expected rate of return of Internet financial management is slightly higher.

8 is just the expected annualized expected return target of Baidu Financial Management. Baidu does not promise 8. It is simply that in order to attract Internet investors, Baidu Financial Management maintains the expected annualized expected return rate at a level of 8. But over time, I think It will still return to market regulation. No matter how integrated the expected annualized return rate is, it cannot escape the regulation of the "invisible hands" of the market.

Risk

Baidu Financial Management is in When Baifa was issued, a guarantee company was introduced as a guarantee for the final expected annualized expected rate of return. This not only reassured users, but also reassured Baidu itself. If something unexpected happens, neither Baidu nor the users will suffer any losses. Of course, the possibility of such an accident happening is basically zero. Therefore, Baifa has no risk for users. Yu'E Bao does not have any guarantee company, and the trading of money funds basically will not lose money. There is only a difference between more profit and less profit. Therefore, for users, Yu'E Bao will not suffer losses, but the expected annualized income will increase or decrease. float.

Security

Both Internet financial management projects can be withdrawn at any time. However, given that Yu’e Bao has experienced customer fund losses before, Baidu’s security needs further testing. However, when users who have opened Baidu Bao's "mobile phone lock" service use Baidu Bao to pay, if the payment amount is greater than the set limit, the payment will be authenticated before the transaction can be completed. The specific anti-theft performance still needs to be tested.

In short, both are monetary funds and there is no need to invest blindly. The market is risky and investment needs to be cautious. Comprehensive comparative analysis of which one is better, Baidu Baifa Financial Management or Yu'E Bao

; Yu'E Bao ushered in the era of Internet finance, Baidu Baifa Financial Management, Baidu Baifa launched a strong attack, Baidu Baifa Financial Management launched a new world of group buying finance, for small and medium investors For example, how to choose financial products so that you can live longer and expect annualized expected returns? This article will analyze and compare Baifa and Yu'E Bao financial products from different aspects to help users choose the product that best suits them.

Which one is better, Baidu Baifa or Yu’e Bao? Baidu Baifa Financial Management?

Comparative analysis of issuing companies

Baifa is a financial product of Baidu Financial Management. The data shows that Baifa is not completely affiliated with Baidu Financial Management, but a relatively independent operation. Department, this also fully shows that Baifa has received more attention from Baidu than the previous Baidu Financial Management and Baizhuan. Yu'E Bao is a fund management product operated by Taobao's Alipay. During the operation process, Yu'E Bao should be completely affiliated with Alipay in terms of transfers in and out.

Comparative analysis of bound fund companies

Baidu Baifa is bound to Harvest Fund by default. The fund team is responsible for operating Baifa Investment. Harvest Fund is carefully selected by Baidu A leading company in public equity funds. The team behind Yu’e Bao is Tianhong Fund. Before Yu’e Bao, Tianhong was not well-known. However, the successful operation of Yu’e Bao made Tianhong Fund a household name overnight and became a leader in Internet finance.

Comparative analysis of properties

In essence, Baifa and Yu'e Bao are the same. They both provide a certain platform for relevant fund companies to operate to obtain expected annualized returns. Although each currency The operational details of the fund team are different, but the basic scope is still locked in treasury bonds, bank agreement deposits, etc., which in turn determines the stability of the expected annualized returns of the two financial products. Another subtle difference is that Baifa is closed to users, while Yu'ebao is relatively open, but the underlying essence is not very different.

Comparative analysis of investment expected annualized expected returns

Baifa launched the slogan "United, there is 8" and announced the expected annualized expected returns of 8 and Yu'e Bao 5. There is indeed a big disparity. The key reason is Baifa's closed management, that is, users are not allowed to redeem within 30 days of purchase and must hold it for 30 days. Yu'e Bao, as a financial management product affiliated with Alipay, supports consumption and cash withdrawal at any time.

Baifa's closed management makes its operations simpler and allows all funds to be invested in financial management, while Yu'e Bao's high liquidity determines that it must retain a part of the funds for users' redemptions and withdrawals. In addition, the funds raised by Baidu will be invested in bank agreement deposits. As the year is approaching, the expected annualized expected income of bank agreement deposits has an upward trend. These factors together determine that Baidu Baifa can provide higher than the balance The expected annualized return rate of Bao.

Comparative analysis of issuance scale

Baifa has innovated the innovative model of Internet finance this time and launched group purchase finance. This also means that Baifa’s issuance has a minimum limit. Information It shows that Baifa’s lowest group purchase amount is 200 million. Judging from the original sales of Baidu Financial Management B exceeding 1 billion within a few hours of issuance, Baifa’s group buying should not be a big problem this time. As of December 26, Baifa’s Subscriptions have exceeded 3 billion yuan, but there is still a certain gap compared to Yu'e Bao's large-scale capital fund, which has already exceeded 100 billion yuan. How about Baidu Baifa Baidu? Is it safe?

; Nowadays, the threshold for investment and financial management is getting lower and lower. Baidu Baifa Financial Management, financial management is no longer a matter for a few people. Baidu Baifa Financial Management, Baidu Baifa Financial Management, more and more novices are joining Baidu Baifa Financial Management. Financial management has entered the ranks of investment and financial management, and choosing a highly safe financial product has become a topic of concern to many novices in investment and financial management.

Baidu Baizhuan is the first wealth management product developed by China Asset Management after Baidu Financial Platform was launched, and it is connected to China Cash Zenglibao Currency. Similar to other Baidu Baifa financial management products, Baidu Baizhuan also has the characteristics of daily interest calculation, minimum deposit of 1 yuan, zero handling fee, and T 0 fast cash withdrawal.

Baidu Baizhuan mainly invests in cash, call deposits, bank time deposits and other financial instruments with higher security and stable expected annualized returns. The characteristics of these financial products are that they are expected to have stable annualized expected returns, do not invest in risky markets such as stocks, and have no direct connection with the stock market, so the risks are low. Since its inception, the fund has never had a negative expected annualized return.

Baizhuan supports fund purchases with savings cards from 7 banks, including Ping An Bank, China Construction Bank, Shanghai Pudong Development Bank, Agricultural Bank of China, Minsheng Bank, and Bank of Shanghai. Credit card purchases are not currently supported. There is no handling fee for users to purchase Baidu.

Baidu Baizhuan, as a new product of Baidu Financial Management, is the first financial management plan of Baidu Financial Center. This financial management project plays an extremely important role in idle funds. Baidu Baizhuan is connected to China Cash E-Profit Category. This fund is a financial instrument with high security and stable expected annualized return. It has no direct connection with the stock market, so the risk is low and the safety of users' property is guaranteed.

Generally speaking, Baidu Baifa Baizhuan is a financial product with low risk and relatively objective expected annualized return. It is a good choice for friends who are new to financial management. But before investing in financial management, you must first understand this product. After all, the market is risky and you need to be cautious when entering the market. How to calculate Baidu Baifa's income?

; Baidu Baifa's expected annualized expected income source

The fund connected to Baidu's backend (Harvest 1-month financial bond E) is 100 for this period Invest in bank agreement deposits. Bank agreement deposit is a deposit business in which an institutional legal person and a bank sign an agreement on the expected annualized interest rate, agreed term and amount of the deposit. The minimum deposit amount of the agreement deposit is generally RMB 30 million, which must be deposited in one time and withdrawn in one time. Through this fund, we can gather small amounts of funds from individual investors and negotiate with banks to obtain deposits with high expected annual interest rates that can only be obtained by institutions. Moreover, as the end of the year approaches, the deposit pressure on various banks has increased sharply, and agreement deposits will rise to annual highs. If we intervene at the right time, we will have the opportunity to obtain higher expected annualized returns.

Baidu Baifa's expected annualized expected return calculation formula

Baidu Baifa's profit algorithm is calculated based on the seven-day historical expected annualized expected return.

The algorithm is basically the same as Yu'e Bao. Based on the principal, the expected annualized expected return of every 10,000 fund units is based on the expected annualized expected return on seven days in a year. When the seven-day expected annualized expected return creates a certain expected annualized expected return When profits are earned, they are accumulated into the principal, and the new principal is accumulated in the next seven days to earn the expected annualized return.

"Annual expected annualized expected return" is the expected annualized expected return calculated based on the expected annualized expected return in one year relative to the principal. The 7-day historical expected annualized expected return rate is the expected annualized expected rate of return calculated by the fund company using the 7-day expected annualized expected return rate and converted into the annual expected annualized expected return rate.

The key to the historical expected annualized expected rate of return is the word "hua", which means it is not actual but calculated from theory.

The fund's seven-day historical expected annualized expected return rate is the seven-day average net expected annualized expected return rate converted into the adult expected annualized expected return rate. The calculation formula is:

Fund Seven-day historical expected annualized expected return = ((∑Ri/7)×365)/10,000 copies×100

Among them, Ri is the i-th calendar day (i=1, 2.... .7) of the fund's daily expected annualized expected return, and the fund's seven-day expected annualized expected return is rounded to three decimal places. What is Baidu Baifa?

; Baifa is a financial management plan from Baidu, the world's largest Chinese search engine. You can simply regard it as a financial management product. As a financial management product, Baifa has very attractive product features. Low investment threshold has the broadest investment audience. Quick redemption and instant cash withdrawal provide the most perfect liquidity for funds. The most highlight is the expected historical expected annualized expected return rate of up to 8, which is comparable to the high expected annualized expected return of trust products.

Baifa, the first joint financial management product between Baidu Financial Center and China Asset Management, has a historical expected annualized expected return rate of as high as 8, making the expected annualized expected return of Internet financial management a new high.

Baifa is jointly owned by Baidu Financial Center and China Asset Management. It is a currency fund with a historical expected annualized expected return rate of 8. It will be sold in limited quantities and is fully guaranteed by China Investment Guarantee Co., Ltd. Baifa's minimum investment threshold is 1 yuan, and after-sales support allows for quick redemption and instant cash withdrawal, which facilitates the inflow and outflow of users' funds.

In order to increase the expected annualized return rate for Baidu and Baifa Financial Management, Baidu may find another way. This can be seen in the wealth management channel of Baidu Financial Center: the marketing campaign slogans for tens of thousands of yuan in brand-name bags and digital supplies are clearly visible. It also includes the Baidu Wallet Quick Payment. If you successfully pay 1 cent, you can get 5 yuan in phone bills and Baidu Finance 3 major gift packages. wait. If its expected annualized expected rate of return can really reach 8, it may come from the expected annualized expected rate of return of monetary funds plus various marketing incentives. Of course, this must be in compliance with the regulations of the Securities Regulatory Commission.

Investment Threshold

The minimum investment threshold of Baifa is only 1 yuan for Baidu Baifa Financial Management; after-sales support is for quick redemption and instant cash withdrawal, which facilitates the inflow and outflow of user funds.

How does Baifa achieve ultra-low investment threshold?

Baifa is a financial plan jointly developed by Baidu and China Asset Management. According to the Yinsu.com database, China Asset Management has the best plan According to the prospectus of the new fund called China Fortune Treasure Money Market Fund, the fund is a currency type. The minimum subscription amount is RMB. The fundraising period is only two days, and the sales agency is only direct sales by China Fund Company. This tight sales period and The arrangement of the narrow fundraising channel is very similar to Tianhong Zenglibao Fund, the original investment target of Yu'e Bao. Therefore, analysts at Yinsu.com believe that Baifa's investment target should be largely the most popular fund of China Asset Management. There is absolutely no problem in setting the Baifa Realization Yuan subscription for China Fortune Treasure Monetary Fund based on the minimum subscription amount of the fund.

The expected annualized expected return rate of 8 years is a very attractive number, which is much higher than Yu'ebao's 3.

But it is obviously very confusing. What about the expected annualized expected rate of return in the target year, and only the highest expected annualized expected rate of return is mentioned. What about the lowest one? Everyone knows it. It should be relatively easy to achieve more than 5, because the amount of funds can be transferred, and it can be used for fixed deposits and government bonds. The expected annualized return rate is more than 5, plus the combination of short-term 7-8, giving consumers about 5 There shouldn't be much risk. 8 is not very realistic unless the market environment for stocks and other investment products is very good.

But if it is higher than Yu’e Bao’s expected annualized expected return rate of 3, everyone can still consider it. A financial investment of about 100,000 yuan will be about a thousand yuan more.

How does Baifa realize the historical expected annualized expected return 8

Baifa’s high expected annualized expected return has always been a hot topic in the market discussion. Everyone has a common understanding of the expected annualized expected return. According to the current money market conditions, the seven-day historical expected annualized expected return rate of money funds is generally ~. According to the statistics of Yinsu.com database, the two-month seven-day historical expected annualized expected return rate of the three money funds under China Asset Management Company is The average rate is Huaxia Cash Profit Increase, Huaxia Currency A, China Margin Currency. If Baifa Investment Currency Fund is basically impossible to achieve the historical expected annualized expected return rate, then is Baifa's high expected annualized expected return pure deception?

Yinsu.com analysts believe that the historical expected annualized expected rate of return may not be able to reach Baifa. As the first product of Baidu Financial Center, its demonstration effect is far greater than the financial plan itself. The possibility of Baidu losing money and making money cannot be ruled out. Attract customers with ultra-high expected annualized expected returns in the early stage. When attention reaches a certain level, they will gradually return to reality. Expected annualized expected returns

Analysts at Yinsu.com believe that Baidu can achieve historical success in two ways The expected annualized expected return is based on what the advertisement says, how much money investors buy from Baifa and how much wealth management money Baidu will give. After maturity, Baidu will recover the principal and transfer the expected annualized expected return to investors. The other is to make up the difference. .

Let’s give a simple example to help readers understand the difference replenishment. Because Baifa has not released the product manual yet, we don’t know anything about Baidu Baifa Financial Management’s design details, but we might as well be reliable. Assume that the first phase of Baifa's installment sale is two months. The actual historical expected annualized expected return is the restricted sales amount of 100 million. Then based on the historical expected annualized expected return, Baidu only needs to spend less than 7 million in these two months. Own funds pay investors expected annualized expected returns, and the marketing effect achieved is amazing.

Features of financial management 1. Minimum investment threshold of 1 yuan;

2. Expected annual return The expected return is 8;

3. Claimed to be zero risk;

4. Limited release;

5. After-sales support for quick redemption and instant cash withdrawal;

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6. Baidu Financial Center cooperates with China Asset Management;

7. Guaranteed by China Investment Guarantee Corporation.