1. Responding to market changes: Financial markets are dynamic, and different monetary funds behave differently in different market environments. For example, in the current market environment, the rate of return of some funds is significantly higher than that of funds in the balance treasure, so changing funds can better adapt to market changes and obtain higher returns.

2. Optimize asset allocation: Investors definitely hope to optimize their asset allocation and realize asset diversification by changing funds. Different money funds have different investment strategies and risk levels, and the overall investment risk can be reduced through rational allocation.

3. Yu 'ebao is a balance appreciation service and current fund management service product launched by Alipay, a subsidiary of Ant Group. It was officially launched on June 20 13. This product provides users with a convenient and quick financial management tool, so that more people can benefit from it.