I just checked it for you. Ruyibao and Jiashi currency of people's livelihood belong to money funds, including Yu 'ebao. The overall risk of money funds is very small, and the returns are generally higher than those on a regular basis.

I checked, the income of the two products is similar, and the income of the money fund is not much different, unless you have a lot of money. In addition, if you really want to invest in money funds, it is recommended to buy Jundeli Money Fund of Guotai Junan, ranking first in terms of income for 8 consecutive years. See the figure below for detailed income: