Yu 'ebao is a well-known financial management tool for civilian investors, and pp fund is a branch of p2p platform. Both have their own advantages. Which is better, pp fund or Yu 'ebao?

Is pp fund investment safe? Is it reliable? Which company guarantees pp fund?

PP fund:

① When purchasing funds, you can use the bound bank card to pay, and you can bind multiple bank cards to purchase funds separately. You can enjoy a minimum discount of 40% subscription fee when purchasing funds, and a minimum discount of 20% subscription fee for China Merchants Bank Card.

② General money funds can receive their accounts in about T+ 1 trading day, while stock funds, hybrid funds and bond funds generally need T+3 trading days, and QDII funds are expected to receive their accounts in T+6 trading days (as stipulated in the fund contract).

Yu 'ebao:

1 Yu 'ebao is Alipay's balance wealth management product. When you transfer funds to Yu 'ebao, you actually buy a money fund called Yu 'ebao provided by Tian Hong Fund (formerly known as Zenglibao Money Fund), which can be transferred in, transferred out or consumed at any time, allowing you to make money and spend money.

② Within the limit of 20,000 yuan set by Alipay, there is no handling fee for withdrawal.

③ Expected annualized expected return of the fund: As of 2016.11.30, the expected annualized expected return of Yu 'ebao for seven days is 2.5%.

Which is better, pp fund or Yu 'ebao?

Although the PP fund is underwritten by sunshine, it needs to pay a certain fee to buy related funds, and it takes T+ 1 day to redeem the money fund. Although Yu 'ebao belongs to the monetary fund, it supports T+0 quick redemption, and Su Cun can easily access it. If we compare the expected annualized expected returns, it is difficult to compare the expected annualized expected returns and risks of different funds.