Yu 'ebao is a value-added service launched by Alipay, which belongs to the money fund. Zhaocaibao is a financial platform launched by Alipay, which has a variety of financial products.

2. Different in nature

Yu 'ebao is equivalent to a demand deposit with no term, and users can access it at any time. However, the wealth management products of Zhaocaibao platform have a fixed term and need to expire to obtain the expected income. They have different maturities, similar to bank time deposits, but the yield is higher than bank time deposits.

3. Different rates of return

Yu 'ebao is essentially an irregular demand deposit, with relatively low annualized income and unstable yield, which has been changing. The wealth management products of Lucky Treasure Platform have different fixed rates of return according to different types and different investment periods. Lucky Treasure's wealth management products are essentially time deposits, so even if different types have different maturities, the yield is still slightly higher than Yu 'ebao.

4. Different product types

Yu 'ebao is a value-added service of Alipay, and Yu 'ebao itself is a wealth management product, so the user's selectivity is not high. Zhaocaibao is a wealth management platform, which cooperates with different institutions to launch different types of wealth management products with different maturities, which are sold by Zhaocaibao, and users purchase wealth management through the platform.

5. Withdrawal is different from handling fee.

Yu 'ebao can withdraw cash at any time, or pay through Alipay shopping, and there will be no handling fee. However, Zhaocaibao is an agreed wealth management product, which can only be withdrawn within the agreed time limit, and a handling fee of 1‰-2‰ is charged.

6. Different sources of supply

Yu 'ebao is mainly recharged through Alipay and bank cards, and Zhaocaibao uses Yu 'ebao and bank cards to make purchases. They are cooperative, but slightly different.

7. Different partners

Yu 'ebao is Alipay and Tianhong Fund * * *, and Yu 'ebao recharges, that is, buys Tian Hong Fund and waits for income. Zhaocaibao is not only a partner of Tian Hong Fund, but also cooperates with insurance companies and banks to launch wealth management products.

Therefore, we can understand the difference between Lucky Treasure and Yu 'ebao from the above aspects, but no matter whether users choose Yu 'ebao or Lucky Treasure, they need to fully understand the difference and operation before investing, and think twice before acting. Choosing the right platform is more important than pursuing high returns, because high returns are accompanied by high risks, and sustained and stable returns are the ultimate goal of investment and financial management.