judging from the current situation, the latest 3-day yield of Yu Libao is 1.666%; The latest 3-day annualized rate of return of Yu 'ebao is 1.592%. From the perspective of yield, Yu Libao's income is obviously higher than that of Yu 'ebao. Not only that, judging from the recent rate of return, the rate of return of Yu 'ebao has always shown a downward trend, so the income of Yu 'ebao is not considerable. Therefore, in the short term, Yu Libao's income is higher than that of Yu 'ebao.

1. Similarities between Yu Libao and Yu 'ebao

1. Both of them are products of Tianhong Fund Company, which is a shareholder of Alibaba Group. We can understand it as the same or similar products of two different brands produced by one company.

2. They are looked after by the same fund manager named Wang Dengfeng. Wang Dengfeng, Master of Economics. He has served as the senior manager of the fixed income department of CITIC Jiantou Securities Co., Ltd.. In May 212, he joined Tianhong Fund Management Co., Ltd.

3. Both are money funds in essence. A fund is a sum of money with a specific purpose and purpose. The money fund is an open-end fund operated by the fund manager and kept by the fund custodian. It specializes in investing in money market instruments with low risk, mainly investing in money market products such as treasury bonds, bills and bank deposits. It has the characteristics of high security, high liquidity and stable income, and it has the characteristics of "quasi-savings", and there is almost no possibility of loss.

Second, the difference between Yu Libao and Yu 'ebao

1. The upper limit of Yu 'ebao and Yu Libao is different

The upper limit of Yu 'ebao is 1,; ? Yu Libao's personal ceiling is 1 million, and the enterprise ceiling is 5 million; ?

If you have less money, you can deposit it anywhere; if you have too much money, or the enterprise can deposit it in Yu Libao.

2. Flexible use of funds of Yu 'ebao and Yu Libao

The funds in Yu 'ebao can be used for direct purchase and consumption, which is more flexible and convenient, while Yu Libao can't, and must be used after being transferred out.

3. The amount of free cash withdrawal from Yu 'ebao and Yu Libao

If Yu 'ebao's money is directly transferred from the bank card, 1, yuan will be free when it is transferred out; However, Yu 'ebao's money is transferred from Alipay, and a withdrawal fee of .1% is required; Yu Libao's personal free cash withdrawal amount is 1 million; If you have 1 million cash assets, just put them in Yu Libao; Put 1, yuan in Yu 'ebao, and it will be both beautiful.

4. Seven-day annualized rate of return of Yu 'ebao and Yu Libao

The seven-day annualized rate of Yu 'ebao is slightly lower than 4%, which is about 3.985%; While Yu Libao is higher than 4%, about 4.15%; Obviously, Yu Libao's income is higher than Yu 'ebao's.