Nowadays, people of all ages, from college students to the elderly, are beginning to get involved in financial management. For most people, the most familiar thing is Alipay’s Yu’E Bao. Some people know JD.com because of their exposure to JD.com. As a

Two relatively large financial platforms, what are the differences between them?

Which financial product is safer?

Which one has higher returns?

Analysis on the safety and benefits of financial management in Jingdong Xiaojinku. The financial management in Jingdong Xiaojinku includes pocket money and wealth management funds. It is a financial management product under JD Finance.

The pocket money targets Yu'e Bao and is connected to the Harvest Wallet Currency A Fund. It is used for daily life and can be used for JD.com shopping, mobile phone recharge, repayment of IOUs, regular repayments, credit card repayments or other non-small purchases.

Treasury financial products.

The current seven-day annualized rate of pocket money in the small treasury is 3.6%, and the income per 10,000 units is 0.92.

It can also be used for offline payments, but because there are fewer merchants connected, there are still fewer places available. As far as I know, some vending machines are connected to JD.com payment, Neighbor convenience stores and Jingkelong supermarkets, etc.

The wealth management fund is connected to the Penghua Value-added Money Market Fund, which is a relatively high-quality money market fund. It cannot be used for shopping and consumption. It can only be invested in it to generate income, which is equivalent to directly purchasing a money market fund.

The current seven-day annualized rate is around 4%, and the income per 10,000 shares is 1.06.

Analysis of Alipay's Yu'E Bao Financial Management Security and Income We all use Yu'E Bao frequently, and it can be used for offline QR code payment, shopping, etc.

As long as you can pay with Alipay, you can use Yu'e Bao, which is equivalent to the Alipay balance and has one more income function than the balance.

The current seven-day annualized rate of return of Yu’ebao is 3.0%-3.5%, and the income per 10,000 units is 0.8-0.9.

Since Yu'e Bao has access to several funds, different funds will have different rates of return.

Both JD.com’s Little Treasury and Alipay’s Yu’e Bao are relatively safe in terms of security. One is backed by JD.com and the other by Alibaba. They both pay more attention to security, so don’t worry.

In terms of income, Xiaojinku is better than Yu'e Bao, with a yield rate 0.1%-.04% higher.

However, Yu'ebao is better than Xiaojinku in terms of popularity, and Yu'ebao has more online and offline usage scenarios than Xiaojinku.

Yu'ebao is more famous than Xiaojinku. After all, Taobao has many more users than JD.com.

From the perspective of Tuotian Sudai, both have their own advantages. We choose according to our own needs. For users who do not use JD.com, we still recommend Yu’e Bao or Alipay’s other regular products because they are more convenient.

If you use JD.com, you can put part of the funds into a small treasury to obtain higher returns.