First, the funds are safe. National debt is a kind of financial product with fixed income, with high capital security, both capital preservation and poly. The fixed annual interest rate is positive. For example, the yield of 3-year treasury bonds is 4%, and the yield of 5-year treasury bonds is 4.27%. No matter how much national debt you buy, the principal and interest are guaranteed.

However, although Alipay has never lost its principal on a regular basis, Yu 'ebao is guaranteed by Tian Hong Fund, but it is a medium-low risk asset management wealth management product with a slightly higher risk than national debt. Moreover, Alipay's financial products are mainly manifested in the fluctuation of income, and will not make a hard commitment to repay the principal and interest.

Second, from the perspective of yield. At present, the savings-type treasury bonds issued by treasury bonds have a 3-year yield of 4% and a 5-year yield of 4.27%, which is good. In the past, the purchase of government bonds was often robbed, or people had to queue up at the bank early in the morning, so the supply of government bonds was limited. However, starting from this year, not only bank outlets, but also government bonds can be purchased online, and there is no limit on how much to buy.

However, the regular rate of return of Alipay shows a downward trend, which is mainly due to the loose monetary policy. The inter-bank lending market shows a downward trend in interest rates, and the yield of money funds will also be lowered, returning to the normal interest rate level. At present, the interest rate of money funds like Yu 'ebao fluctuates between 2.2% and 3%. This rate of return is unstable and not high, and it is not comparable to national debt.

Third, the liquidity of funds is safe. Investors can withdraw the national debt in advance, but they will lose some interest income. Generally, a handling fee of 0. 1% is charged for withdrawing treasury bonds in advance, and no interest is charged for withdrawing treasury bonds for less than 6 months. Interest is deducted for 6-24 months 180 days, 90 days for 2-3 years and 60 days for 3-5 years. Therefore, in order to reduce the interest loss, you should try not to withdraw the national debt in advance.

Alipay's regular financial management has a closed period, during which money cannot be taken out. Investors are advised to know the situation before making an investment decision. The closure period is often between 30 days and 360 days, which is relatively shorter than the national debt. The regular flexibility of Alipay is not good, and it can only be guaranteed by different term configurations. For example, previous investors can purchase Alipay products with different maturities, such as 3 months, 180 days and 360 days, respectively, to ensure the liquidity of investors.

In fact, for investors, if they are idle for a long time, it is better to buy government bonds. In case they need money, they will only lose some interest at most. Alipay's regular wealth management products are slightly less secure, with lower yield and poor liquidity, which is slightly inferior to buying government bonds. Buying government bonds is more suitable for conservative wealth managers who pursue safety and peace of mind, and takes up less energy.