上线12年 余额宝累计收益超5000亿

Core Insights - Yu'ebao has maintained positive returns over its 12 years of operation, accumulating user earnings of 500.4 billion yuan by the end of May 2025 [1][7] - A survey of 2,000 long-term users indicates that over 80% continue to use Yu'ebao frequently, with more than 60% of these users favoring conservative investment strategies [2][12] - The introduction of the "Saving" feature has attracted over 5 million users, allowing them to allocate funds to higher-yield money market funds while preventing impulsive spending [4][9] User Behavior and Preferences - Over 80% of Yu'ebao's active users are from the post-80s and post-90s generations, indicating a strong user base among younger demographics [2][11] - The majority of long-term users have shifted their investment mindset from merely saving to a more diversified and stable asset allocation, with a significant portion of their assets in Yu'ebao and bond funds [12][14] - Data shows that 937 million young users are simultaneously investing in Yu'ebao, bond funds, and gold ETFs, with the post-90s generation being the primary contributors [14] Product Features and Market Position - Yu'ebao was launched in June 2013, revolutionizing the money market fund landscape by offering low entry points, flexible withdrawals, and daily interest settlements [6] - The platform's "Saving" service has been well-received, with users expressing that it helps them manage their finances better by requiring funds to be transferred back for spending [4][9] - Despite potential future declines in money market fund yields due to overall market interest rate trends, Yu'ebao remains a valuable option compared to traditional bank deposits due to its higher flexibility and compounding interest benefits [15]