First of all, from the security analysis
The money fund cooperated by Yu 'ebao is also an excellent fund in YEATION, with low risk and stable income. At the same time, Yu 'ebao's funds will be guaranteed by Alipay. If it is stolen, Alipay will make compensation.
The monetary funds of Jingdong Small Treasury are all Public Offering of Fund during the year, with strong strength and stable income. This kind of fund has strict supervision and low risk. Jingdong Finance also provides millions of fund account security insurance for the fund security of the small treasury, making the funds safe and worry-free.
Conclusion: Both of them have the same safety.
Second, from the income level analysis.
Yu 'ebao's income: The annualized income of the eight money funds of Yu 'ebao in seven days does not exceed 4%, and the income of 10,000 yuan is lower than that of the small treasury financial fund.
Earnings from small coffers: 7-day annualized wealth management fund 4. 1390%, ten thousand earnings 1. 1346 yuan; The pocket money is annualized by 3.7830% in seven days, and the income of ten thousand copies is 0.9 13.
Conclusion: The income of small coffers of Jingdong Finance is higher.
Third, from the convenience analysis
Yu 'ebao can be used for online consumption, such as Taobao shopping, mobile phone recharge, payment of water, electricity, gas, flowers, credit cards, loans and so on. At the same time, Yu 'ebao can pay offline.
The money in the small vault can only be used for simple financial management, while pocket money can be spent in shopping malls, returned to JD.COM, repaid regularly, repaid by credit cards, reserved financial products, recharged by mobile phones, transferred and so on.
Conclusion: Yu 'ebao is very convenient, and the small vault can only manage money simply, but the function of pocket money is basically the same as Yu 'ebao.
Four. Transfer-out situation analysis
1, transfer-out line
(1) Fast transfer: the daily transfer limit of Yu 'ebao is 1 10,000 yuan; The daily transfer limit of the small vault is 6,543,800 yuan.
(2) Ordinary transfer-out: Yu 'ebao and small coffers are not limited.
2. Transfer-out time
(1) Fast transfer: Both Yu 'ebao and the small vault are expected to arrive within 2 hours.
(2) Ordinary transfer-out: both Yu 'ebao and Xiaojinku arrive at the account at 24:00 the day after the application date.
Conclusion: The transfer rules of Yu 'ebao and small vault are the same.
Five, from income to account time analysis
Generally, the income of Yu 'ebao will be displayed before 15:00 on the afternoon of the second day after the share is confirmed, while the income of the small vault will be updated in the early morning, usually before 6: 00 in the morning.
Conclusion: the income from the small vault reaches the account faster.
Summary: From the above aspects, the small vault of Jingdong Finance is slightly better than Yu 'ebao. Of course, Yu 'ebao's extensive payment function also adds a lot of color to this product. Therefore, which is better to save money in Yu 'ebao or Jingdong Finance depends on which financial product function investors prefer.