Interpretation of China Unicom's "Hang Fei Bao": Buying an iPhone is a good deal
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On May 20, Shenzhen Unicom and Essence Fund jointly launched "Hang Fei Bao". This is another operator "Bao Bao" product after China Telecom's Yifuzhi and Minsheng Bank jointly launched Tianyi Bao. Various "Bao Bao" products have emerged, what is special about this "Hang Fei Bao"? This issue of DM Lab interviewed Liu Hao from the marketing department of Essence Fund to explain the cross-border nature of "Hang Fei Bao" for you. As a cross-border product between operators and money funds, the launch of "Hang Fei Bao" does not carry the gimmick of pure high returns, but is closely integrated with Unicom's phone bills and contract phone services, highlighting the characteristics of phone purchase discounts and phone bill financial management. Liu Hao from the marketing department of Essence Fund said, "'Hang Fei Bao' is not a fund product in essence, but a value-added service of communication products." "Hang Fei Bao" is a money fund baby tailored for Unicom's business by Shenzhen Unicom and Essence Fund. Unicom users can invest the fees of contract phone package plans in the money fund managed by Essence Fund. Essence Fund will freeze the corresponding fund shares for investment and pay the package phone bills to customers regularly and regularly according to the provisions of the package contract. At the end of the freezing period, users will receive the benefits of the package plan fee. However, the current freezing period for contract phone package plans is at least 24 months. Assuming that the user chooses to freeze the 7799 yuan money fund shares, he can get an iPhone 5s (16G) with a market price of 4800 yuan for free. At the same time, he can enjoy a monthly 368 yuan, 24-month phone fee and data package. According to the contract provisions of the package plan, the customer's phone fee funds are deducted from the frozen fund shares every month to pay the phone fees. Correspondingly, the user's investment income will also be in a decreasing state as the principal decreases. Taking into account the yield changes and the decreasing effect of the principal, if calculated at an annualized yield of 4%, the principal income after 24 months will be about 400 yuan. Liu Hao emphasized that the perspective of understanding "Hua Fei Bao" should be changed from the perspective of monetary fund investment appreciation to the perspective of saving money on the purchase of mobile phone packages. An iPhone 5s plus a 24-month phone package has a total market value of 11,580 yuan, while the all-inclusive price of "Hua Fei Bao" is 7,799 yuan, which can save 6,265 yuan. There is also a certain investment income at the end of the contract as an "easter egg" for executing the contract plan. He said that "0 yuan to buy a machine and enjoy income" is the main feature of "Hua Fei Bao". Different from traditional contract machine products, users can enjoy the purchase discount while also getting the income of money funds. Everyone's inherent impression of money fund baby is that it is easy to operate, has good liquidity and high income. However, the freezing time of "Hua Fei Bao" is at least 24 months, and it does not highlight the advantage of 10,000 shares of income. From the perspective of money fund considerations alone, "Hua Fei Bao" is not a good choice. Therefore, "Hua Fei Bao" is just a Unicom business product dressed in the coat of Anxin Money Fund. It is essentially a value-added service of communication products, rather than a function of playing the role of fund product investment income. If you just want an iPhone 5s that can theoretically save you 6,265 yuan, then "Hua Fei Bao" is worth considering; if you want to achieve the goal of financial value-added by purchasing baby products, then you must open your eyes and don't be blinded by babies wearing various coats. As a winner of Toutiao's Qingyun Plan and Baijiahao's Bai+ Plan, the 2019 Baidu Digital Author of the Year, the Baijiahao's Most Popular Author in the Technology Field, the 2019 Sogou Technology and Culture Author, and the 2021 Baijiahao Quarterly Influential Creator, he has won many awards, including the 2013 Sohu Best Industry Media Person, the 2015 China New Media Entrepreneurship Competition Beijing Third Place, the 2015 Guangmang Experience Award, the 2015 China New Media Entrepreneurship Competition Finals Third Place, and the 2018 Baidu Dynamic Annual Powerful Celebrity. |
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