1. From the limit point of view, the maximum limit of the current surplus is 50,000 yuan, while the maximum limit of the rich in the current period is 200,000 yuan, which is four times that of the current surplus. Therefore, if it is a small purchase, you can choose current profit or current wealth; If you buy in large quantities, you can only choose current wealth.

2. From the risk point of view: the demand surplus is connected with the current wealth management products issued and managed by Bank of Communications Wealth Management Co., Ltd., while the demand surplus is connected with Bank of Communications Monetary Fund, which are low-risk and low-yield products, so the risk difference is not big.

3. From the perspective of flexibility, whether it is current surplus or current wealth, the flexibility of funds is very high, and it supports deposit and withdrawal without manual redemption. At the same time, both of them can be purchased by credit cards, online banking, Alipay, WeChat, transfer and remittance, funds, wealth management and other products.

4. From the perspective of income: from the historical income performance of current surplus and current wealth, the income of current surplus is slightly higher than that of current wealth. However, the returns of the two will change every day, and the performance of historical returns does not represent future performance, but only serves as the current reference standard.

It should be noted that the same investor can only buy one of them. According to the fixed requirements of Bank of Communications, current surplus and current wealth cannot be opened at the same time.

Extended data:

Bank of Communications Current Wealth is an explosive wealth management product similar to Yu 'ebao jointly developed by Bank of Communications and Bank of Communications Schroeder Fund. Transferring funds to "current wealth" is equivalent to buying a money fund. Earnings are calculated on a daily basis and carried forward to the account every day. At the same time, it seamlessly connects ATM withdrawal, POS card swiping, online payment, transfer and repayment.

Analysis on the current wealth security of Bank of Communications;

1. Product Attribute and Benefit Analysis

Bank of Communications' current wealth is connected with Bank of Communications' current monetary fund A, which is low-risk and low-return, and there will be no high risk, which can basically protect the capital, somewhat similar to Alipay's balance treasure. Therefore, from the perspective of product attributes, Bank of Communications' current financial management is as safe as Yu 'ebao.

2. Analysis from the purchase platform.

The current wealth of Bank of Communications is purchased directly from the mobile phone client of Bank of Communications. Although there is no guaranteed capital and interest, the big platform is guaranteed and the security is still very high.

Secondly, it is worth noting that the signing of "current wealth" and the opening of "automatic transfer" will automatically purchase the balance of the current account from the Bank of Communications Active Monetary Fund, and the expected annualized expected income will increase by 5-6 times.

However, in theory, money funds also have the possibility of principal loss, but from the historical data, the possibility of principal loss is basically low, and the degree of safety is still relatively high.

However, the purchase of the money fund does not mean the bank time deposit, and there is no guarantee that the principal will not be lost. Past performance does not predict future performance, the market is risky, and investment needs to be cautious. As a wealth management product under the Bank of Communications, current wealth is still very secure.

"Current surplus" of Bank of Communications refers to an investment value-added service provided by Bank of Communications on behalf of wealth management companies to sell products and cooperate with investors, which can provide investors with services such as account opening, subscription, general redemption, quick redemption, payment and transfer of wealth management products.

The threshold of current surplus is very low, as long as 0.0 1 yuan can be purchased, and the flexibility is better. Can be taken out at any time and used at any time without manual exchange. It also supports the purchase of credit card repayment, online banking, Alipay and WeChat payment, transfer remittance, pos credit card, ATM/ counter withdrawal, funds, wealth management and other products.

Current surplus securities of Bank of Communications:

From the platform point of view, demand surplus belongs to Bank of Communications Finance, which is definitely safe and a regular product. However, it should be noted that financial management itself is risky, and there is no guarantee of principal or interest, which is different from deposits.

The current surplus of Bank of Communications is mainly the current wealth management products issued and managed by Bank of Communications Wealth Management Co., Ltd., which is a low-risk wealth management product with low risk and stable income. At present, it is estimated that the annualized rate of return in the last seven days is 2.978%, but it should be noted that the annualized rate of return in the last seven days will change every day, but you can refer to the previous rate of return.