There is a balance treasure in Alipay and a wealth management fund in Jingdong Small Treasury. Both Yu 'ebao and the wealth management fund are docked with the money fund. It can be said that the transfer of funds is equivalent to investing in monetary funds. So which is better, JD.COM Wealth Management Fund or Yu 'ebao? Today, I will talk about this problem from three aspects: safety, expected income and the scope of fund use. Please continue reading.

I. Security of JD.COM Wealth Management Fund and Yu 'ebao

JD.COM Wealth Management Fund is connected with Penghua Tianlibao, and Yu 'ebao is connected with Tian Hong Yu 'ebao, China-Europe Rolling Qian Bao Currency A, Cathay Bao Li Currency and other 12 monetary funds. Judging from their product attributes, they are all low-risk money funds, so their security is the same. Products with low investment risk are very safe and almost impossible to suffer losses.

1. Expected income of JD.COM Wealth Management Fund and Yu 'ebao.

The data shows that the 7-day annualized expected return of JD.COM wealth management fund Peng Hua Tian Li Bao is 2 1), the highest 7-day annualized expected return of euro rolling Qian Bao currency A docked by Yu 'ebao is 2 1), and only three 7-day annualized expected returns of 12 money funds in Yu 'ebao now exceed 3%.

Although there is only one money fund connected with JD.COM Wealth Management Fund, the expected income performance of Penghua Tianlibao is better than all the money funds in Yu 'ebao.

Three. Scope of funds used by JD.COM Wealth Management Fund and Yu 'ebao.

Jingdong small treasury wealth management account only supports the purchase of regular wealth management, funds, gold and repayment of white bars and gold bars. Focus on financial management is an exclusive account for financial management and does not support mall shopping and credit cards.

Yu 'ebao can be used to buy wealth management products on Alipay wealth. After the payment method of Alipay to Yu 'ebao is adjusted, it can be used for payment when transferring consumption, and can also be used for Taobao shopping payment, credit card payment and various living expenses. Therefore, Yu 'ebao has a wider range of funds than JD.COM. COM's financial account.

Conclusion:

Based on the analysis of the above three aspects, under the premise of the same security, the expected return on investment of JD.COM Wealth Management Fund is higher, while the use of Yu 'ebao Fund is more flexible and has its own advantages.

You can choose according to your actual needs.