Which is safer, Yu 'ebao or Licaitong, is a formal financial platform, and the safety of capital flow is no problem.
However, the essence of Yu 'ebao is a money fund, so the income is low and the risk is small, and generally there will be no negative income.
There are many products in the financial management system, including high-risk products, such as stock funds and index funds. Pay attention to the distinction when buying.
Which is safer, Licaitong or Yu 'ebao? The transfer of Yu 'ebao is divided into: general transfer: the next fund trading day, which is expected to be 2 hours, and will be received in real time.
1. Ordinary transfer-out will be received on the next fund day (one trading day is before 15 (excluding 15), and the next trading day is calculated after 15).
For example, apply for transfer from Thursday 15: 00 to Friday 15: 00, and receive the account before 24:00 next Monday; Apply for transfer from Friday after 0/5: 00 to next Monday 15:00, and receive the account before 24:00 next Tuesday.
2. It is expected to arrive in 2 hours. Supported banks include: Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank, China Bank, China Merchants Bank, Bank of Communications, Ping An Bank, Industrial Bank, Hangzhou Bank, Shanghai Pudong Development Bank, China Everbright Bank, Minsheng Bank, China Guangfa Bank, China CITIC Bank, Bank of Ningbo Express, Postal Savings Bank Express, Shanghai Bank and Huaxia Bank.
It needs to be operated on Alipay mobile phone, and the daily cumulative amount is ≤5W (transferred by other means, which does not occupy the 2-hour channel quota), and it is within the service time range of supporting banks.
3. Banks supported by real-time receipt: support comics of China Everbright Bank, Ping An Bank and China Merchants Bank.
Which is better, Licaitong or Yu 'ebao? In fact, there are many ways to manage money. You can allocate resources by yourself. The recommended way is not to put eggs in one basket. Both platforms, WeChat Wealth Management and Yu 'ebao, are not bad. We can try both platforms, and our users may get a lot of benefits from them.
Which is safer, Licaitong or Yu 'ebao? In terms of scale, Yu 'ebao is bigger and safer.
profit
Yu 'ebao is Tian Hong Zenglibao Monetary Fund.
Licaitong took the lead in accessing four first-line brand fund companies, namely Huaxia Fund, Huitianfu Fund, E Fund and Guangfa Fund.
Both belong to the money fund, and the rate of return has been changing, which is hard to say. At present, the financial management is slightly higher.
flexibility
The funds in Yu 'ebao can be used for online shopping, transfer, credit card repayment and telephone charges in real time, and can also be transferred back to Alipay account balance or bank card, which can be freely operated on computers and mobile phones. The liquidity of funds is better than that of bank time deposits, and there is no limit to the withdrawal time. Generally speaking, it will be received within 2 hours if it is less than 50,000 yuan.
Licaitong can only be transferred to a bank card, "you can only buy and redeem with a security card". The first bank card purchased by Licaitong will be used as a Licaitong security card, and funds can only be purchased and redeemed with this card. The single redemption limit is 50,000 yuan, which can be redeemed five times a day, and the monthly redemption limit is 6,543,800 yuan. Wechat Licaitong supports ICBC, Agricultural Bank of China, China Construction Bank and other 12 banks to receive accounts within 3 hours, and other banks 1~3 days.
scale
The scale of Yu 'ebao exceeds 540 billion, and the overall scale of WeChat financial management is around 78.766 billion.
Both Yu 'ebao and WeChat Wealth Management provide security. If there are stolen brushes, provide 100% compensation. The partner of Licaitong is PICC.
Which is better, Licaitong or Yu 'ebao? The two are similar, and the income and safety factor are close.
The income of Yu 'ebao and Licaitong is relatively low, with an annual yield of only 3%~5%, which is relatively unfavorable for saving money and managing wealth.
At present, all-in-one financial management is popular, and the income is much higher than that of Yu 'ebao. The annual yield exceeds 16%, which is relatively stable and safe. From 1 yuan, you can already manage your money, which is more humanized.
Which is better, Licaitong or Yu 'ebao? The income of 20 15 Licaitong is slightly higher than that of Yu 'ebao, but it is not as convenient as Yu 'ebao.
If there is China Merchants Bank in a city with higher income, you can also learn about the wealth management products sold by China Merchants Bank. You can go to the home page of China Merchants Bank, click on the "wealth management products"-"personal wealth management products" page to view, or you can classify the wealth management products you need through "search".
Tips: Please read the product manual carefully before buying.
Which is better, Licaitong or Yu 'ebao? Both are money funds, with similar returns and risks, and it is impossible to tell who is good and who is bad.
However, the overall income of Yu 'ebao and Licaitong is relatively low, with an annual rate of return of only 3%~5%, and financial management is relatively disadvantageous.
At present, Huiquantong, which is popular in financial management, has much higher income, and its annual yield exceeds 16%, which is relatively safe and stable. Starting from 1 yuan, you can already manage your money and be more humane.
Which is better, Licaitong or Yu 'ebao? Now the yield of Yu 'ebao is 3.9370%.
The yield of Licaitong is 4.8250%.
Therefore, literally speaking, financial management is more suitable.
However, what is involved here is that their income is actually much lower than that at the beginning. Depends on what you think. If you like to do fixed-income financial management, there are actually many good ones on the market now.