推荐回答(2个)
余额宝上没有定期。在余额宝上存钱是很灵活的,你可以随时把钱转到支付宝中,但转到银行卡上不是随时的,是两小时之内到账。但是余额宝的利息比银行的定期存款利息高很多。
余额宝里有招财宝,里面有三个月到二年的定期理财,收益比余额宝高,而且可以转让。
余额宝风险分析:
货币市场风险:货币型基金的收益并不是固定的,余额宝也是如此,如果货币市场表现不好货币性基金收益也会随之下降,余额宝的收益是来自货币基金市场收益,并非支付宝支付。
与银行竞争风险:支付宝推出余额宝实际上为了提升用户的粘度,把用户闲散的活期存款吸引到支付宝中的余额宝,方便用户在淘宝购物,一定程度上会危及银行的利益。
纠纷风险:余额宝并没有提醒用户货币基金的投资风险,一旦余额宝用户因收益发生争执,法律纠纷很难避免,由此引发的影响很难估计。
在监管方面:按照央行对第三方支付平台的管理规定,支付宝余额可以购买协议存款,能否购买基金并没有明确的规定。余额宝借助天弘基金实现基金销售功能的做法,是在打擦边球。从监管层面上来说,余额宝并不合法。一旦监管部门发难,余额宝有可能会被叫停。
余额宝是不能存定定期的,但是可以定期转入。
转入方法如下:
熟悉余额宝的人都知道如何快速的进入主界面,也就是下图中所示的,在这个界面就可以看到工资转入的功能。
/iknow-pic.cdn.bcebos.com/500fd9f9d72a6059cc158e1d2534349b033bbab4"target="_blank"title="点击查看大图"class="ikqb_img_alink">/iknow-pic.cdn.bcebos.com/500fd9f9d72a6059cc158e1d2534349b033bbab4?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto"esrc="https://iknow-pic.cdn.bcebos.com/500fd9f9d72a6059cc158e1d2534349b033bbab4"/>
2.工资转入的基本条件就是你要有一个已经绑定的工资卡,这个现在发工资基本上都是直接打到银行卡上了。
/iknow-pic.cdn.bcebos.com/30adcbef76094b36a28574eaaecc7cd98d109da5"target="_blank"title="点击查看大图"class="ikqb_img_alink">/iknow-pic.cdn.bcebos.com/30adcbef76094b36a28574eaaecc7cd98d109da5?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto"esrc="https://iknow-pic.cdn.bcebos.com/30adcbef76094b36a28574eaaecc7cd98d109da5"/>
3.让大家见笑了,我每个月的固定工资就这么点,提成奖励不定,供大家参考,大家可以将自动转入日期设定在发工资日期之后的2-3天吧。
/iknow-pic.cdn.bcebos.com/f31fbe096b63f6248b1d56048a44ebf81a4ca371"target="_blank"title="点击查看大图"class="ikqb_img_alink">/iknow-pic.cdn.bcebos.com/f31fbe096b63f6248b1d56048a44ebf81a4ca371?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto"esrc="https://iknow-pic.cdn.bcebos.com/f31fbe096b63f6248b1d56048a44ebf81a4ca371"/>
4.之后就是输入你的支付宝的支付密码,进行自动扣款的这样一个操作,这样以后每个月都会在固定的日期,将你设置的金额转入余额宝了。
/iknow-pic.cdn.bcebos.com/55e736d12f2eb93887c415f5d8628535e5dd6f0f"target="_blank"title="点击查看大图"class="ikqb_img_alink">/iknow-pic.cdn.bcebos.com/55e736d12f2eb93887c415f5d8628535e5dd6f0f?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto"esrc="https://iknow-pic.cdn.bcebos.com/55e736d12f2eb93887c415f5d8628535e5dd6f0f"/>
5.设置完成以后,就可以看到如下的界面,对于设置的这些信息,也可以进行重新的编辑,就是右上角的编辑选项。
/iknow-pic.cdn.bcebos.com/ac6eddc451da81cb4b4cecca5f66d0160924310a"target="_blank"title="点击查看大图"class="ikqb_img_alink">/iknow-pic.cdn.bcebos.com/ac6eddc451da81cb4b4cecca5f66d0160924310a?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto"esrc="https://iknow-pic.cdn.bcebos.com/ac6eddc451da81cb4b4cecca5f66d0160924310a"/>
6.再次回到余额宝的主界面,在资金管理下方的选项中,就可以看到对应的工资转入的相关信息。
/iknow-pic.cdn.bcebos.com/960a304e251f95ca80befdb1c4177f3e67095269"target="_blank"title="点击查看大图"class="ikqb_img_alink">/iknow-pic.cdn.bcebos.com/960a304e251f95ca80befdb1c4177f3e67095269?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto"esrc="https://iknow-pic.cdn.bcebos.com/960a304e251f95ca80befdb1c4177f3e67095269"/>
扩展资料
余额宝是蚂蚁金服旗下的余额增值服务和活期资金管理服务产品,于2013年6月推出。天弘基金是余额宝的基金管理人。
余额宝对接的是天弘基金旗下的余额宝货币基金,特点是操作简便、低门槛、零手续费、可随取随用。除理财功能外,余额宝还可直接用于购物、转账、缴费还款等消费支付,是移动互联网时代的现金管理工具。目前,余额宝依然是中国规模最大的货币基金。
2018年5月3日,余额宝新接入博时、中欧基金公司旗下的“博时现金收益货币A”、“中欧滚钱宝货币A”两只货币基金产品。
参考资料:/baike.baidu.com/item/%E4%BD%99%E9%A2%9D%E5%AE%9D"target="_blank"title="余额宝_百度百科">余额宝_百度百科
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