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Baby financial management yield fell for 5 weeks and then hit a new low in the year
Securities dailyZhou Shangyu
During the year, the funds were still in a loose and loose state. The “baby” monetary fund was flat, and the yield dropped for five weeks, hitting a new low for the year.
According to the data monitored by Rong 360, the average seven-day annualized rate of return for 78 Internet baby products last week (March 1 - March 7) was 2.69%, down 0.01 percentage points from the previous week for five consecutive weeks. It fell, but the decline has slowed down in the past two weeks.
Yesterday, the average expected annualized rate of return of 671 bank wealth management online products was 4.48%, while the average expected annualized rate of return of 72 baby wealth management products was only 2.63%, and the yield continued to differentiate. Among them, there are 1 product with an annualized yield of more than 4% on the 7th, only 7 with more than 3%, and only 7% of the products with an annualized rate of return of more than 3% on the 7th. On the 7th, the annualized rate of return increased to less than 2%, and the annual yield of the remaining 60 baby wealth management products was between 2% and 3%.
Judging from the 10,000-yuan income of 72 baby wealth management products yesterday, there are 5 baby products over 1 yuan. Among them, “Bo Shi Cash Po (Bo Shi Shi)” has the highest income of 1.36 yuan, and the annualized rate of return on the 7th is 3.62%; followed by “CITIC Bank(Hong Kong stocks 00998) (601998) Salary (Best Credit), which is 1.31 yuan, the annualized rate of return on the 7th is 2.92%; the share of "Join Call Feibao" is 1.21 yuan, and the annualized rate of return on the 7th 2.58%.
It is worth mentioning that last week’s “baby” monetary fund income TOP10,Guojin SecuritiesIts platform commission Jinbao product "Jin Teng Tong" performed well, the cooperation fund is "National Gold Jin Teng Tong Currency A", the annualized rate of return on the 7th is 3.6%, ranking fourth in all babies, nearly one year yield. It is 3.66%, which is relatively stable.
From the perspective of different types of sales platforms, the average 7-day annualized rate of return for the bank's baby was 2.85%, the average yield of the third-party payment system was 2.66%, and the average annual return rate of the sales department was 2.55%. The average annual return rate of the fund baby is 2.54%.
Rong 360 said that in these four types of platforms, the fund baby is at a disadvantage, on the one hand, the yield is low, on the other hand, the application scenario is not wide. The advantage of the bank baby is that the customer volume is relatively large, and the middle-aged and elderly people are also very convenient to buy. The user group of the third-party payment system is younger, and the application scenario is more important. The number of the baby in the agency is not much, and some investors regard it as Buy a transfer station for other wealth management products.
Looking forward to the future "baby" currency fund, Rong 360 said that the current funding level is still in a balanced and loose trend, and the overall downward trend of interest rates will not change, but in the middle and late March, due to the peak tax period and the timing of the quarter-end supervision, Interest rates may be suspended. In the short term, the Internet baby's yield is expected to stop and stabilize, and it is not possible to rule out a small rebound at the end of the month.
to this end,Shen Wanhongyuan(Hong Kong stocks 20,218) (000166) also said that in 2019, it is expected that the rate of decline in the rate of return on goods will slow down until the low level stabilizes. In the future, the debt-bearing space will be limited, and the debt-based squeeze on the cargo base will also be weakened. In the process of further economic inflation, the policy is expected to continue to relax. The fund's central position is stable and small. Although the social welfare is rebounding, it does not mean that the demand rebound is coming. The year's debt-bearing pattern is still there, but space is limited. . Under this circumstance, it is expected that the rate of decline in the rate of return on goods will slow down in 2019 until it stabilizes. Under the contraction of the debt-bearing space, the impact of the debt-based base on the cargo base will also be weakened.
Editor in charge: Shen Xuejiao RF13056
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