1. What are the expected returns of Huitianfu and Jubao?
The 7-day annualized expected rate of return of Huitianfu and Jubao is probably brighter than the data of Yu 'ebao. This is also the main reason why many people move their money from Yu 'ebao to Huitianfu and Jubao.
From the long-term performance, the annualized expected rate of return of Huitianfu and Jubao has been declining in the past 1 year, while the annualized expected rate of return of Yu 'ebao (based on the currency of Tian Hong Yu 'ebao) has also declined from 4% to 3% in the past 1 year. According to the data of Tian Tian Fund, the expected income level of Monetary Fund is similar, so the expected income performance of Huitianfu and Jubao is still relatively excellent.
2. Are Huitianfu and Jubao safe?
Huitianfu and Jubao are both money funds, and the risks are similar to those of Yu 'ebao, both of which are low risks, because most of the investment directions are bank deposits, central bank bills, financial bonds and other assets, and the possibility of losses is very small.
3. How long will it take for Huitianfu and Jubao to arrive?
The redemption rules of Huitianfu and Jubao are the same as those of ordinary money funds. Take it out before 3 o'clock on the trading day and collect it the next day (postponed on holidays); After 3 o'clock on the trading day, T+2 will arrive. In this respect, it is not as good as Internet babies, such as Yu 'ebao, Bitong, and Jingdong Xiaojinku, which can be redeemed quickly, with a quick redemption quota of 1 1,000 yuan.
Summary: Based on the above analysis of Huitianfu and Jubao,
This is a money fund with less risk and higher expected income among similar products, but its liquidity is not good and it cannot be redeemed quickly on the same day.
It can be said that there are advantages and disadvantages, depending on which aspect you value.