The emergence of Yu 'ebao pushed wealth management products to the public, which opened a new chapter in public wealth management, and ICBC also got a salary bonus. I believe everyone is also curious about which is better, ICBC salary bonus or Yu 'ebao. Let's analyze it in detail.

Before comparing ICBC salary treasure with Yu 'ebao, let's know what Yu 'ebao and ICBC salary treasure are.

Definition of Yu 'ebao and ICBC Salary Jinbao:

Yu 'ebao:

Yu 'ebao is a balance appreciation service and current fund management service product under Ant Financial, which was launched on June 20 13. Tian Hong Fund is the fund manager of Yu 'ebao. Yu 'ebao is connected with Yu 'ebao Monetary Fund under Tian Hong Fund, which is simple to operate, low in threshold and free of handling fee. In addition to the financial management function, Yu 'ebao can also be directly used for shopping, transfer, payment, repayment and other consumer payments. It is a cash management tool in the era of mobile Internet. Yu 'ebao is still the largest monetary fund in China.

ICBC salary bonus:

ICBC Payroll is a monetary fund, which is the Internet baby of ICBC. It is connected with the monetary fund ICBC Payroll Currency A. ICBC Payroll mainly invests in short-term currencies such as government bonds, central bank bills, commercial bills, bank time deposit certificates, corporate bonds and interbank deposits, with low risk. Moreover, as ICBC's first wealth management product upgraded by a fund company and the banking system, the risk of the operating system can be said to be zero.

Which is better, ICBC salary treasure or Yu 'ebao? Can be judged from the following aspects:

1. From the perspective of expected income, the expected income of wages paid by ICBC is higher in the short term, but lower than Yu 'ebao in the long term, and the fluctuation of the expected income of Yu 'ebao is far less than that of wages paid by ICBC.

2. From the starting point of purchase: the starting point of ICBC's salary is 100 yuan, and the minimum operation of Yu 'ebao on the computer is 1 yuan, which can be lower than 1 yuan on the mobile phone.

3. From the operation point of view: Yu 'ebao is easy to operate and ready to use. The purchase procedures and methods of ICBC's salary bonus are troublesome and the user experience is not good.

Summary: Which is better, ICBC salary treasure or Yu 'ebao? This problem has no specific boundaries. It is better to manage your finances according to your own situation, and each has its own advantages. Relatively speaking, Yu 'ebao is more convenient and can be directly used for shopping payment, and redemption is faster, because you can choose to arrive in 2 hours. However, if the investment amount exceeds 50,000, it is ICBC Qiang, no matter how much it is, it will arrive on the first working day after redemption. From a security point of view, the two are similar. Please choose the product that suits you according to your own situation.

Editor's note:

I believe that through several aspects listed in this article, the question of which is better, ICBC salary treasure or balance treasure, has been answered in your heart. In short, what suits you is the best. Don't pursue high expected returns and forget to consider your own situation.