余额宝高利率已成往昔？
关键词：余额宝高利率已成往昔？
余额宝在刚推出的时候，由于收益率高吸引了众多的投资者，但是距离其推出仅仅两年的时间，当时让人羡慕的高收益却已经成为往昔了。是什么让它的高利率走向终结？现在，跟着大田环球一起来分析一下。
一、余额宝利率走向
2013年余额宝上市正好遇到市场资金紧张，银行正处于钱荒状态，因此余额宝的七日年化收益一直保持走高的良好态势，吸引了众多的市民，一度让余额宝成为当时最受欢迎、规模最大的基金。
可是，意外的是进入2014年后半年后，余额宝的七日年化收益率跌破5%，又在今年前段时间跌破4%，7月8日七日年化收益最新收报3.415%，这与以前最高点6.75%相差近2倍的差距，这让多少客户大失所望，同时也大大降低了余额宝的吸金能力，截止5月31日为止，其资金规模已从最高值7177亿元跌至6678亿元。
二、余额宝利率走低的原因
据多位分析师介绍，余额宝利率走低主要是由于降息、利率市场化的关系。自上年11月央行进行下调基准利率和准备金率以来，银行间主要投资工具的收益率均出现了明显的下跌迹象，而余额宝正是主要投资于银行间短期货币市场的基金，因此受到了较大的影响。
另外，当前市场的资金并不余额宝刚刚推出时紧张，这也是影响其利率走低的重要因素。一般而言，当资金趋向宽松时，如余额宝之类的货币基金的收益率都会走低。
综上所述，余额宝的收益率走低是必定的，正常的。若您希望尽快实现资产增值，小编建议您可以到大田环球开户进行贵金属投资。贵金属目前是十分受关注的投资产品，不但因为当前股市低迷，还因为其可以进行双向交易，而且品种单一，不用耗费大量时间去做分析。欢迎您来大田进行详细了解，我司24小时均有在线客服为您服务。
本文来源： 大田环球贵金属
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