余额宝七日年化收益率和万份收益是什么意思？__理财频道 - 融360
余额宝七日年化收益率和万份收益是什么意思？
余额宝七日年化收益率和万份收益是什么意思？
很多人都把零钱放在里，每天早上醒来之后第一件事就去看今天又挣了多少。在页面里可以看到两个与收益相关的词，一个是七日年化收益率，一个是万份收益，这两个词分别是什
&&&&& 很多人都把零钱放在里，每天早上醒来之后第一件事就去看今天又挣了多少。在余额宝页面里可以看到两个与收益相关的词，一个是&七日年化收益率&，一个是&万份收益&，这两个词分别是什么意思，有什么区别呢？
&&&&& 七日年化收益率是指过去七天货币基金的平均收益率，而万份收益是指货币基金1万块钱一天的收益。
&&&&& 举个例子，3月13日余额宝七日年化收益率是4.4890%，是指3月6日-3月12日这七天的平均年化收益率。万份收益是1.1994，是指1万块钱放在余额宝里3月12日的收益是1.19元，也就是你3月13日看到的&昨日收益&。如果你的余额宝里有5000块钱，那么你的收益就是1..59元，如果有2万块钱，那么收益是1..39元，以此类推。
&&&&& 我们每天获得的收益以万份收益来计算，但是一般看的比较多的是七日年化收益率，因为它可以直观的看出过去几日余额宝收益趋势如何，和其它相比哪个收益更高。七日年化收益率和万份收益一般走势相同，但是偶尔也有一升一降的情况发生。
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每万份货币基金当日净收益是什么意思
我有更好的答案
然后以1万份为标准进行衡量和比较的一个数据。它具体是指：把货币基金每日运作的收益平均摊到每一份额上货币基金主要投资货币和债券市场，以短期投资为主，万份基金净收益是衡量货币基金短期收益情况的主要指标。　　万份基金净收益也可简称为万份收益，它是具体当日计入投资人账户中的实际收益。因为货币式基金在通常情况下每份单位净值固定为1元，所以万份收益通俗地说就是投资1万元当日获利的金额
每万份收益 可以理解为
1万块买了基金
一天赚了多少钱七日年华收益率
可以理解为根据最近7天的收益情况
估算出如果 放一年 能得到的收益是多少
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关注对比序号基金简称成立日期基金经理手续费可购全部10049681.00785.9580%3.20465.9510%0费率20049670.95975.7830%3.16945.7660%0费率30007381.00614.5860%2.84764.5550%0费率40010061.04724.7340%2.75174.7020%0费率50028950.99384.4230%1.90254.5090%0费率60003011.04024.6900%1.85284.6900%0费率70008461.17514.6670%1.84234.6580%0费率80028940.92774.1740%1.83734.2600%0费率90003000.97464.4540%1.79004.4550%0费率100008471.10824.4150%1.77624.4060%0费率110047870.99454.1980%1.70164.2270%0费率120047860.92843.9460%1.63533.9740%0费率130021951.13915.0940%1.52025.3370%0费率140014011.14094.6210%1.49354.8340%0费率150034681.20084.5060%1.48474.6320%0费率160032641.34124.8180%1.46054.7690%0费率170051481.32964.7750%1.44914.7260%0费率180026731.08104.3210%1.44704.3450%0费率190043981.41064.2870%1.42484.1510%0费率200021831.29454.6160%1.41994.5280%0费率210034671.13504.2570%1.41884.3830%0费率224201061.12944.4000%1.40604.6080%0费率237406021.47474.9910%1.39674.4580%0费率240009031.27464.5670%1.39474.5180%0费率250026721.01534.0700%1.37994.0930%0费率260004761.22084.6050%1.36954.7550%0费率275500110.98974.0040%1.36483.9980%0费率280027881.34364.0520%1.35733.9260%0费率296750721.34994.3820%1.35364.3280%0费率300028841.36485.1520%1.34275.1420%0费率310028471.06434.1540%1.34234.3610%0费率320042821.33124.7780%1.34144.7190%0费率334200061.06364.1490%1.34094.3580%0费率347406011.41444.7570%1.33694.2200%0费率350051511.13334.5750%1.32464.6730%0费率360049731.54435.1560%1.31244.9480%0费率370028831.32765.0080%1.30674.9970%0费率380004751.15524.3550%1.30434.5050%0费率395500100.92353.7520%1.29473.7530%0费率400041521.22984.8400%1.29004.8800%0费率416750711.28424.1320%1.28764.0780%0费率420027601.19684.3730%1.28544.3270%0费率430048490.88763.6130%1.28223.6130%0费率440037121.28834.6320%1.27954.5780%0费率456750321.27884.5810%1.27754.5230%0费率465195101.25854.5520%1.27544.5300%0费率470013861.24954.7050%1.27344.7080%0费率480005601.23394.4870%1.27264.4580%0费率490030221.27444.5630%1.27254.5160%0费率503920021.35374.7600%1.27224.6620%0费率510006621.26484.7670%1.26874.7640%0费率520008361.26804.7110%1.26754.7020%0费率530008371.26804.7110%1.26754.7020%0费率540052301.27854.7010%1.26484.6750%0费率550051341.32215.3280%1.26415.3100%0费率560008601.26444.6410%1.26174.6230%0费率570051501.06754.3250%1.25934.4240%0费率580018710.91334.0770%1.25794.0840%0费率590045684.42326.3500%1.25434.5510%0费率600044151.26374.6780%1.25404.6620%0费率611509981.24284.6040%1.25384.5960%0费率620022481.23174.6920%1.25304.7160%0费率635195171.24134.0980%1.25293.9410%0费率641616151.34954.3120%1.25224.2630%0费率650035851.17764.6590%1.25204.7030%0费率660006051.23274.5970%1.25174.5070%0费率670032061.23374.6530%1.24674.6540%0费率680013911.22194.6010%1.24594.6040%0费率690043731.24514.5950%1.24524.5790%0费率700049721.47854.9010%1.24414.6940%0费率710034741.26004.6590%1.24394.6300%0费率720016981.24654.6400%1.24364.6790%0费率731000281.17414.2910%1.24254.2890%0费率740036791.31064.7200%1.24244.6800%0费率750032291.37884.6050%1.23754.4980%0费率760006991.24854.5920%1.23624.5660%0费率770007251.20424.5410%1.23564.5570%0费率780048961.26164.6120%1.23284.5920%0费率790042171.25844.5240%1.23154.5010%0费率800041671.26174.5720%1.22864.5280%0费率811509881.22644.5130%1.22834.4990%0费率820400391.27244.5350%1.22494.4610%0费率830016661.24144.6030%1.22464.6010%0费率840034021.25744.5560%1.22434.5130%0费率850041511.16384.5890%1.22384.6290%0费率862001031.24914.5280%1.22294.4750%0费率870006481.21154.4950%1.22144.4880%0费率881616231.20084.5270%1.21854.5260%0费率891800091.21804.5400%1.21824.5490%0费率900027591.13184.1300%1.21734.0830%0费率910910221.24764.3140%1.21664.2180%0费率922100131.24264.5410%1.21654.5130%0费率930007071.20344.4770%1.21584.4610%0费率940009081.18564.3850%1.21584.3640%0费率950910051.15514.3840%1.21384.3650%0费率965195671.21884.4130%1.21334.3630%0费率970044171.24944.6530%1.21324.6540%0费率983920011.28824.5120%1.21184.4130%0费率996750311.21304.3300%1.21114.2730%0费率1000040971.22174.4610%1.21024.4430%0费率1015195091.19294.3020%1.20964.2800%0费率1020037531.19834.6100%1.20954.6320%0费率1030037111.22254.3800%1.20894.3260%0费率1040020781.22754.0000%1.20823.9150%0费率1050005801.21754.2580%1.20744.2120%0费率1066750621.19204.4100%1.20724.6890%0费率1070033931.19784.4290%1.20634.4200%0费率1080033911.19794.4290%1.20634.4200%0费率1090029601.17334.3260%1.20554.3060%0费率1100043991.18784.4750%1.20544.4740%0费率1110032461.22954.5170%1.20474.4420%0费率1120041201.11094.3430%1.20414.3700%0费率1130006154.36686.1470%1.20284.3530%0费率1140040730.71374.3660%1.20224.6300%0费率1150003321.20564.2740%1.20124.2630%0费率1160052021.28774.6250%1.20084.7320%0费率1170800111.21264.4550%1.19934.4310%0费率1180035351.19794.4280%1.19924.4200%0费率1196601071.20254.3350%1.19874.3540%0费率1200007261.16584.3950%1.19724.4110%0费率1210006001.21534.4150%1.19684.3920%0费率1220018431.65164.6700%1.19504.4060%0费率1230039981.15664.3400%1.19394.3250%0费率1240008161.08024.1760%1.19274.1730%0费率1250043721.19244.3950%1.19244.3790%0费率1260005881.22344.4830%1.19224.4680%0费率1270026471.18824.2840%1.19154.2400%0费率1282023021.20434.4670%1.19054.4850%0费率1290042100.84753.8280%1.19053.8370%0费率1300018700.84793.8260%1.18853.8320%0费率1313200191.04214.1150%1.18814.0650%0费率1320019371.17794.3930%1.18804.3580%0费率1330044141.19814.4320%1.18774.4160%0费率1341616081.28764.0660%1.18764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天天基金客服热线：95021&/&|客服邮箱：|人工服务时间：工作日 7:30-21:30 双休日 9:00-21:30郑重声明：。天天基金网所载文章、数据仅供参考，使用前请核实，风险自负。中国证监会上海监管局网址：CopyRight&&上海天天基金销售有限公司&&&&沪ICP证：沪B2-&&网站备案号：沪ICP备号-1货币基金七日年化收益率与万份收益的关系
　　我们在查看货币基金收益的时候有两个概念，一个是七日年化收益率，一个是万份收益，那么两者分别是什么意思，又有什么关系呢？　　七日年化收益率是指货币基金近七日的平均收益率，然后进行年化得来的数据。万份收益是指1万元投资货币基金当天所获得的收益。两者之间有一个公式：七日年化收益率=（过去七天万份收益总和÷7）×365÷10000。不过要注意的是，这里我们将复利因素排除掉，因此用公式得到的七日年化收益率与实际公布的七日年化收益率略有差异。　　比如我们把1万元放在余额宝里面，6月8日的平均七日年化收益率是4.044%，万份收益是1.0826，那么我们8日一共赚了1.08元。每天实际获得的收益只用看万份收益就可以了，与七日年化收益率无关。　　能否不看七日年化收益率只看万份收益？　　有投资者问，既然我们每天赚的钱就是万份收益，那能不能只看万份收益不看七日年化收益率？实际上这样并不可取。对于货币基金来说，万份收益是每天变动的，而且有时候波动很大，投资者会有两个问题搞不清楚：1.货币基金最近收益究竟是上涨的还是下跌的？2.与其它理财产品相比，货币基金收益是更高还是更低？　　而七日年化收益率将这种短期波动因素考虑进去了，也有利于与其它产品做一个对比，因此从长期来看，比万份收益更有价值。所以大家在比较货币基金收益的时候，一般都会比较七日年化收益率。　　为什么七日年化收益率与万份收益有时候走势是反向的？　　一般来说，万份收益上涨那么七日年化收益率会跟随上涨，但是经常情况下，七日年化收益率与万份收益的走势是相反的，即一涨一跌，那么这是什么原因呢？　　实际上很简单，举个例子来说，以下是微信理财通（财富宝）6月1日-6月8日之间的万份收益及七日年化收益率走势。我们可以看出，6月8日，其万份收益是上涨的，但是七日年化收益率是下跌的。6月7日的七日年化收益率对应的是6月1日-6月7日的万份收益，而6月8日的七日年化收益率对应的是6月月2日-6月8日的万份收益，虽然6月8日万份收益大幅上涨至1.6014，但是仍然要远低于6月1日的3.7293，因此6月8日的收益率会出现万份收益上涨但七日年化收益率下降的情况。　　从万份收益走势可以判断七日年化收益率走势　　万份收益代表的是当日收益，而七日年化收益率代表的是历史收益，因此万份收益一般走在七日年化收益率的前面，从万份收益的走势中可以判断出七日年化收益率的走势。　　下图是余额宝的过去七日（6月2日-6月8日）万份收益走势，我们可以看出万份收益整体处于下降趋势，预计6月9日万份收益仍将处于比较低的位置，因此七日年化收益率很有可能下降。实际上，只要6月9日余额宝的万份收益低于6月2日的1.0894，其七日年化收益率就肯定是下降的。与之相反，如果近几日万份收益整体处于下跌趋势，那么七日年化收益率也将随之走低。
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