The difference is that the income from treasure digging is higher, with an annualized income of about 8.88%- 10%, while the income from Yu 'ebao is only about 4%. In addition, it seems that there is a 18 Fortune Day every month, and the products launched on that day have quite high returns.
Convenient experience: the treasure can not be redeemed in real time, and the redemption time is generally T+2 or T+3, and relatively few bank cards are supported at the time of purchase; Yu 'ebao can be redeemed in real time, and there are relatively many bank cards supported.
Usually I think so: friends who really want to invest in financial management may wish to try to dig for treasures and buy some financial products; If you want to shop in Taobao, it is more convenient to transfer funds at any time and use Yu 'ebao.