余额宝榜一大哥：每天进账1.24万，他有多少存款？答案来了！

Core Insights - The article discusses the popularity and financial performance of Yu'ebao, a leading money market fund in China, highlighting its user base and average deposits [1][10] - It reveals the impressive daily earnings of the top user, referred to as "榜一" (the top user), and explains the underlying reasons for such high returns [3][4] - The article emphasizes the differences in investment limits between individual and institutional investors, as well as the overall investment landscape in China [4][5] User Statistics - As of Q2 2025, Yu'ebao has over 850 million users and total assets of 1.23 trillion yuan, averaging about 1,447 yuan per user [1] - The top user reportedly earns 12,400 yuan daily, which raises questions about the amount of capital they have invested [3][4] Earnings Calculation - The average annualized yield of the Tianhong Yu'ebao fund is approximately 2.35%, which translates to about 644 yuan daily for a 1 million yuan investment [3] - To achieve a daily income of 12,400 yuan, the top user would need approximately 193.75 million yuan invested, indicating that this user is likely an institutional investor rather than an individual [4] Investment Limits - Individual users have a maximum daily purchase limit of 1 million yuan and a cumulative holding limit of 1 million yuan in Yu'ebao [5] - Institutional investors, however, can have higher limits based on their risk management capabilities, as per the revised regulations by the China Securities Regulatory Commission [4] Comparison with Other Investment Options - The article notes that while Yu'ebao offers high liquidity and ease of use, its returns are generally lower than those of other investment products like stocks and fixed-income securities [6][9] - According to a survey, the average yield of money market funds was 2.32% in the first three quarters of 2025, down from 2.65% in the same period in 2020, indicating a trend of declining yields [9] Financial Education and Strategy - The article stresses the importance of financial literacy and personalized investment strategies, suggesting that individuals should diversify their portfolios and not rely solely on low-yield products like Yu'ebao [10][18] - It highlights that a well-structured investment approach can lead to better financial outcomes, even with lower-yielding options [10][18]