The risk is similar: ICBC's balance financing corresponds to ICBC Tianyi Express Monetary Fund, while Yu 'ebao is connected to six funds, all of which are monetary funds, with low investment risk.
Close to income: As of July 24th, the 7-day annualized income of Cash Express is 3.94 1%, which is slightly higher than the 3.7020% of Yu 'ebao China tally, but in the long run, the income difference of money funds is not very big.
The six monetary funds of Yu 'ebao are Tian Hong Yu 'ebao Fund, Central Europe Qian Bao Currency A, Huaan Rixin Currency A, Cathay Bao Li Currency, Boss Cash Income Currency A and Jing Shun Great Wall Jingyi Currency A.
Among these six funds, the rate of return of Cathay Bao Li Monetary Fund is 4.2 1% in the last year, 2.09% in the last six months and 1.00% in the last three months, all higher than the other five funds of Yu 'ebao.
The currency yield of ICBC Tianyi Express is 4. 19% in the last year, 2.08% in the last six months and 1.0 1% in the last three months.
The investment threshold is the same: ICBC Tianyi Express Monetary Fund and Yu 'ebao have very low investment thresholds, and they can be purchased at 1 yuan.
Redemption time and limit: both are money funds, and the daily limit of 10000 can be withdrawn quickly. After it exceeds 10000 yuan, it can only be redeemed "generally", and the arrival time is before 24 o'clock on T+ 1 day.
Additional consumer payment function: Yu 'ebao is better. Yu 'ebao is a balance wealth management account for payment, with powerful payment function, which can support both Taobao shopping transfer and other payments. Although the monetary fund support of ICBC Tianyi Express also supports the payment function, it is still not as extensive as Yu 'ebao.
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