< p > > balance treasure, etc. < a href= "//m.pmae.cn" > Internet financial affairs < /a > Product yields continue to decline. At the same time, Internet giants have made regular financial products as the next development focus.

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< p > it is reported that the Xinhua Ali first guaranteed fund mixed by Alibaba and Xinhua fund will be officially released today.

The product is the first exclusively guaranteed fund specially designed for Internet users. Xinhua Ali No. 1 is currently restricted to Yu Ebao users.

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< p > the fund will be put on sale through the Alibaba's < a href= "//m.pmae.cn/news/index_c.asp" > recruit treasure < /a > platform.

The total size of the fund is not more than 1 billion yuan, and the minimum amount of investment is 1000 yuan.

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< p > the so-called guaranteed fund is to ensure that no loss of principal is guaranteed after the end of the guarantee period, but investors will not enjoy the break even clause if they are redeemed in advance in the guaranteed capital cycle.

The guarantee period of Xinhua Ali No. 1 is 18 months, that is to say, investors must hold for more than 18 months to ensure that the principal does not lose.

Wind data show that there are 54 guaranteed fund operations in the market, most of which cover 3 years.

All guaranteed fund 100% which has completed the break even period has achieved a guaranteed capital account. From 2006 to 2013, the average compound annualized yield of the guaranteed fund was 16.34% on average for 8 years.

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< p > at present, the number of users of the balance treasure has exceeded 81 million, and its scale is over 500 billion.

Such a huge balance treasure user will be introduced to other financial products, and the balance treasure users will be able to complete the process through a certain technical link in the process of redemption of the balance treasure to purchase the treasure platform financial products. If the customer redeem the wealth management products, the funds can also be moved back to the balance treasure.

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Chen Zhiming, general manager of P, said that at present, most users of the balance treasure are at the "entry-level" level for < a href= "//m.pmae.cn" > financial management < /a >.

On the basis of the balance of treasure, some users have more long-term, higher return financial needs, and are willing to accept higher risks.

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