12年，给大家赚了5004亿！网友刷屏了

Core Viewpoint - Yu'ebao has evolved from a simple savings tool to a comprehensive financial management platform over the past 12 years, significantly impacting the financial habits of a generation [2][15]. Group 1: Historical Context and Development - Launched in June 2013, Yu'ebao quickly became popular due to its low entry barrier of 1 yuan, flexible withdrawals, and daily interest accrual, making it accessible for many first-time investors [7][9]. - Over 12 years, Yu'ebao has generated a total of 500.4 billion yuan in earnings for users, averaging about 100 million yuan per day [6][7]. - The product has played a crucial role in popularizing money market funds in China, transitioning them from niche to mainstream financial products [11][15]. Group 2: User Behavior and Trends - The new service "Cangzhe" has gained traction, allowing users to transfer funds into higher-yielding money market funds, helping them manage spending impulses [4][5]. - Many long-time users are diversifying their investments beyond Yu'ebao, incorporating products like bond funds and gold ETFs into their financial strategies [5][10]. - A survey indicated that over 80% of long-term users still actively use Yu'ebao, with a significant portion prioritizing stable investment options [12]. Group 3: Financial Education and Awareness - Yu'ebao has contributed to enhancing financial literacy among the general public, helping users understand basic investment concepts and risk management [9][15]. - The platform has facilitated a shift in user mindset from merely saving money to actively managing and diversifying investments [14][15]. - Users have reported that Yu'ebao serves as both a financial management tool and an educational resource, fostering a culture of informed investing [9][15].