1. They are both monetary funds. Monetary fund companies obtain income through various investment portfolios and allocate fund shares.

Income is calculated every day, and the daily rate of return is different.

Yu'ebao is a cash-based Internet financial product launched by Taobao. It is a currency fund and is operated by Tianhong Fund Zenglibao.

Current Treasure: At the end of June 2013, Current Treasure is a financial management tool launched by Tiantian Fund Network for selected currency funds.

Tiantian Fund Network, a fund portal owned by Oriental Fortune Network, announced.

Monetary fund operation: Fund companies obtain income through various investment portfolios and allocate fund shares.

Currency funds are a type of open-end fund. According to the types of financial products invested by open-end funds, open-end funds are divided into four basic types: stock funds, hybrid funds, bond funds, and currency funds. The first two

The first category belongs to the capital market, and the latter category is the money market.

Monetary funds mainly invest in bonds with remaining maturities within 397 days (including 397 days), central bank bills with maturities within one year (including one year), bond repurchases, bank time deposits, large certificates of deposit, cash and other good liquidity

money market instruments.

Also known as "quasi-savings products", its main features are "worry-free principal, convenient current deposits, regular returns, daily daily returns, and monthly dividends."

2. There is not much difference in income. The operation of currency funds has different daily rate of return.

In comparison, the daily returns vary. In 2013 and the beginning of 2014, the returns were both higher than 6%. In March 2014, the returns generally declined.

At a certain time, a certain "treasure" is higher than another "treasure". This does not mean anything, because it is always changing. It is very likely that another "treasure" will surpass the previous "treasure" in a few days, or at a certain stage

One variety is relatively high, and another variety is relatively high at another stage.

Monetary fund investment tools ensure that when investors want to redeem, they can promptly realize the funds to provide funds, and at the same time, obtain stable investment returns on the basis of low risk.

Under normal circumstances, money funds are maintained at a level that is about 10% higher than one-year time deposits in the same period.

In 2013, monetary funds had higher return performance, with the average performance being more than 40% higher than the current one-year time deposit.

The main reason is that the liquidity in the market is tight, which raises the yields of various fixed-income investment instruments. Once the market liquidity eases, monetary funds will face a situation where the yields will fall and their attractiveness will be greatly reduced.

3. Management expenses Management expenses are between 0.63% and 0.68%.

There are no transaction fees charged for subscription and redemption rates.

In addition to transaction fees, the fees for money fund products involve three items: management fees, custody fees, and sales services. The sum of the three fees is basically in the range of 0.63%-0.68%/year.

Generally speaking: Regardless of Yu'e Bao or Deposit Pass, the investment should be of the same quality, with investors having different choices.

You can also make multiple investments and switch between investments based on your personal Internet usage habits and changes in investment returns.