长沙晚报掌上长沙12月30日讯（全媒体记者 范宏欢）元旦假期将至，你的理财计划做好了吗？根据沪 深交易所公布的2025年元旦休市安排，1月1日（周四）至1月3日（周六）休市，1月5日（周一）起照常 开市。另外，1月4日（周日）为周末休市。因此，12月31日就是元旦前的最后一个交易日。 如何既能保障假期资金流动性，又能避免资金"站岗"，让闲钱在跨年期间持续创造收益？记者采访了理 财专家，梳理了一份节前理财攻略，帮助市民在这个元旦假期实现"人闲钱不闲"。 攻略一：短期收益较高——国债逆回购 国债逆回购本质是一种以国债为抵押物的短期贷款。通俗来讲，就是投资者通过证券交易所把钱借给别 人，一般情况下可获得固定利息收益；而借款人用国债作抵押，约定到期后向投资者还本付息。 根据规则，12月30日15:00前转入资金，最晚12月31日确认份额并开始计息，元旦假期（1月1日-3日） 收益不间断，且假期消费、转出到零钱或银行卡的服务正常。需注意的是，若在12月30日15:00后转 入，整个元旦假期将无收益入账，资金白白闲置。 攻略三：灵活赎回收益稳健——货币基金 可灵活赎回、收益稳健的货币基金及现金管理类产品，因收益"假日不休 ...

Group 1 - The highest annualized yield for Tencent's LiCaiTong is 1.5070%, while the lowest is 0.9260% [1] - WeChat's WeLiCai has a highest annualized yield of 1.1740% and a lowest of 1.0760% [1] - Alipay's Yu'e Bao shows a highest annualized yield of 1.3190% and a lowest of 1.0390% [1]

Core Insights - The highest annualized yield for Tencent's LiCaiTong is 1.5860%, while the lowest is 0.9300% [1] - The highest annualized yield for WeChat Pay's LiCaiTong is 1.1940%, with a minimum of 1.0520% [1] - Alipay's Yu'e Bao shows a maximum annualized yield of 1.3120% and a minimum of 1.0460% [1] Summary by Category - **Tencent LiCaiTong**: - Highest annualized yield: 1.5860% - Lowest annualized yield: 0.9300% [1] - **WeChat Pay LiCaiTong**: - Highest annualized yield: 1.1940% - Lowest annualized yield: 1.0520% [1] - **Alipay Yu'e Bao**: - Highest annualized yield: 1.3120% - Lowest annualized yield: 1.0460% [1]

Group 1 - The highest annualized yield for Tencent's LiCaiTong is 1.5780%, while the lowest is 0.9480% [1] - WeChat Pay's annualized yield ranges from a high of 1.2120% to a low of 1.0730% [1] - Alipay's Yu'e Bao shows an annualized yield with a maximum of 1.2120% and a minimum of 1.0300% [1]

Group 1 - The highest 7-day annualized yield for Tencent's LiCaiTong is 1.6080%, while the lowest is 0.9840% [1] - The highest 7-day annualized yield for WeChat Pay's WeChat Wallet is 1.2220%, with a minimum of 1.0660% [1] - The highest 7-day annualized yield for Alipay's Yu'e Bao is 1.2410%, and the lowest is 1.0290% [1]

Core Insights - The article provides a comparison of the annualized yield rates for various financial products, highlighting the differences in returns among Tencent's WeChat Pay, Alipay's Yu'e Bao, and Tencent's Licai Tong [1] Group 1: Annualized Yield Rates - Tencent's Licai Tong offers a maximum 7-day annualized yield of 1.5540% and a minimum of 1.0070% [1] - WeChat Pay's 7-day annualized yield ranges from a maximum of 1.2290% to a minimum of 1.0600% [1] - Alipay's Yu'e Bao shows a maximum 7-day annualized yield of 1.3600% and a minimum of 1.0300% [1]

Core Viewpoint - The article provides a comparison of the annualized yields of various financial products offered by Tencent, WeChat, and Alipay, highlighting the differences in returns for consumers [1] Group 1: Financial Product Yields - Tencent's LiCaiTong offers a maximum annualized yield of 1.5560% and a minimum of 0.9860% over a 7-day period [1] - WeChat's wallet service, WeChat Pay, has a maximum annualized yield of 1.2310% and a minimum of 1.0500% for the same period [1] - Alipay's Yu'e Bao shows a maximum annualized yield of 1.3830% and a minimum of 1.0360% over 7 days [1]

Group 1 - The highest annualized yield for Tencent's LiCaiTong is 1.6220%, while the lowest is 0.9900% [1] - The highest annualized yield for WeChat Pay's WeChat Wallet is 1.1820%, with a minimum of 1.0570% [1] - Alipay's Yu'e Bao shows a maximum annualized yield of 1.3350% and a minimum of 1.0370% [1]

Core Viewpoint - The article provides a comparison of the annualized yield rates of various financial products, highlighting the differences in returns among Tencent's LiCaiTong, WeChat Wallet, and Alipay's Yu'e Bao [1] Group 1: Annualized Yield Rates - Tencent's LiCaiTong offers a maximum 7-day annualized yield of 1.6580% and a minimum of 0.9910% [1] - WeChat Wallet's 7-day annualized yield ranges from a maximum of 1.1840% to a minimum of 1.0680% [1] - Alipay's Yu'e Bao shows a maximum 7-day annualized yield of 1.3360% and a minimum of 1.0530% [1]

Core Viewpoint - The article provides a comparison of the annualized yields of various financial products offered by Tencent, WeChat, and Alipay, highlighting the differences in returns for consumers [1] Group 1: Financial Product Yields - Tencent's LiCaiTong offers a maximum annualized yield of 1.6600% and a minimum of 0.9890% for its current account products [1] - WeChat's WeChat Pay has a maximum annualized yield of 1.1560% and a minimum of 1.0730% [1] - Alipay's Yu'e Bao shows a maximum annualized yield of 1.3510% and a minimum of 1.0420% [1]