Platform: Jingdong Xiaojinku is a wealth management product launched by Jingdong Finance; Yu 'ebao is a product of Alipay. Income: The income of Jingdong Xiaojinku and Yu 'ebao is different. Judging from the current situation, the income of Jingdong Xiaojinku is higher. Usage scenario: Jingdong small treasury has great limitations. Financial funds can only be used for financial management, and pocket money can be spent in JD.COM Mall; The funds in Yu 'ebao account support online and offline multi-scene consumption, and can also be directly transferred.
1, Jingdong Small Treasury and Yu 'ebao are both money funds. The advantage of the money fund lies in its efforts to obtain higher income and realize safe and stable income on the basis of maintaining the stability and high liquidity of the fund assets. The difference between the two is that: Jingdong Small Treasury: The monetary fund of Jingdong Small Treasury is provided by JD.COM Jianli Fund Sales Company, and there is only one product. After being transferred to the small vault in Jingdong, you can enjoy the warehouse interest, return blank tickets in JD.COM APP and buy wealth management in Jingdong Finance, but you can't use it for scanning code consumption in other scenarios. Yu 'ebao: There are more than 20 fund products docked under the name of Yu 'ebao. Each product corresponds to a different fund company. If an investor invests his money in Yu 'ebao, it is equivalent to investing in one of the funds. If you feel that your income is not high, you can also change careers. The biggest difference between Yu 'ebao and Jingdong Small Treasury is that Yu 'ebao can directly scan the code for consumption without redemption.
2. Output: It is a well-known fact that the output of Yu 'ebao has declined. Although Yu 'ebao hopes to increase the rate of return by controlling the scale growth and reducing operating costs after introducing multiple money funds, the effect is not satisfactory. As for the Jingdong small treasury, although it is also linked to two money funds, the overall rate of return is higher than that of Yu 'ebao. Usage: Alipay is a universal payment software, and our life is basically inseparable from Alipay. Yu 'ebao enjoys the cool behind the big tree. Relying on Alipay's brand benefits and public awareness, coupled with Taobao's support, the scope of use of Yu 'ebao is undoubtedly broader. JD。 The offline of COM was not so successful. After all, there are many restrictions on the use of wealth management funds and pocket money, so more people will be willing to deposit their money in Yu 'ebao. Generally speaking, from the perspective of product types, there is little difference between Xiaojinku and Yu 'ebao. In terms of income, the yield of JD.com government bonds is slightly higher, and Yu 'ebao has the greatest advantage after Alipay platform. The balance of Yu 'ebao's funds can be used for many purposes, and large families can choose according to their own needs.
3. Yu 'ebao is a balance appreciation service and current fund management service product launched by Ant Financial in June 20 13. Tian Hong Fund is the fund manager of Yu 'ebao. Yu 'ebao is connected with Tian Hong's Yu 'ebao Monetary Fund [2][3], which has the characteristics of simple operation, low threshold, zero handling fee and pay as you go. 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.