Quanbao is relatively better.

According to the fund contract, money funds do not guarantee the safety of principal. Although the rate of return is now emphasized, in history, money funds have experienced negative returns or returns close to zero on the same day.

However, the probability of this happening is extremely low, so relatively speaking, monetary funds are relatively safe. At least there is no problem with the annualized return exceeding the one-year time deposit interest rate.

China Universal is a formal public fund that has been approved by the China Securities Regulatory Commission. Moreover, China Universal Quanbao is a money fund. Money funds invest in low-risk projects, with relatively high security, and money fund deposits and withdrawals are more convenient.

, deposits and withdrawals can be realized on T+1 basic working days, and the interest rate is much higher than bank demand deposits.

The difference between Quanquanbao and Yu'ebao: 1. Yu'ebao is a currency fund jointly launched by Alibaba and Tianhong Tianhong Fund, and is connected with Tianhong Zenglibao Fund.

Although Yu'e Bao is essentially just a sales channel for Tianhong Zenglibao, in the eyes of most users, the two are the same thing, especially after Alibaba invested in Tianhong Fund.

2. Quanquanbao is a financial product jointly developed by Tencent and China Universal Fund Company, and it is also a monetary fund.

However, it is worth noting that China Universal Quanbao is provided and managed by China Universal Fund Management Co., Ltd., while Wealth Management Connect only serves as a financial product information service platform.

3. For a purely third-party enjoyment platform like WeChat Financial Management, its main source of profit is the annual sales service fee of about 0.25% from money market funds.

After Alibaba takes a stake in Tianhong Fund, it can also share management fee income with it.