After the fire of the grassroots wealth management artifact Yu 'ebao, the bank demand deposits were transferred to Yu 'ebao one after another, and the bank finally began to fight back and bought a series of products similar to Yu 'ebao! At the same time, fund companies can't help it, and they have also created a series of wealth management babies, which are included in Tian Tian Fund Network, and the money fund's wealth management tool-Active Treasure is optimized. Which is better, Yu 'ebao or clown? Discuss with you.

Yu 'ebao is a cooperation between Alipay and Tianhong Fund, and the daily fund is the daily fund. As long as you have an Alipay account, you can purchase Yu 'ebao after real-name authentication. The daily fund live treasure can be quickly opened by simply entering the name and mobile phone number on the daily fund.

Investment threshold

The minimum threshold for the first recharge of Lifelong Bao is 500 yuan, and the minimum threshold for the second recharge can be reduced to 100 yuan. The minimum threshold of Yu 'ebao is only 1 yuan. There is no handling fee for both purchases.

liquidity

Both can be purchased and redeemed 24 hours a day. The funds in Yu 'ebao can be used for online shopping payment, Alipay transfer and other payment functions at any time, while the live treasure is frozen after transfer, and can be transferred out at any time after the share is confirmed, preferring wealth management products. In contrast, Yu 'ebao is more liquid.

danger

Buying both is equivalent to buying a money fund, and the risk of investing in a money fund is very small, so the risk of the daily fund's live treasure and balance treasure is very small.

Expected annualized expected return

Yu 'ebao is linked to Tian Hong Zenglibao. As of March 19, 2009, the 7-day historical annualized rate of Yu 'ebao is the living treasure of Tian Tian Fund, which is linked to multiple money funds, and the expected annualized rate of return is different. 10/14, the highest 7-day historical expected annualized rate of return is this. In addition, the live treasure also has the function of "one-key conversion".

After comparison, we can find that the two are evenly matched. Which "baby" is better depends on your own situation. Yu 'ebao is purchased through Alipay platform, which supports online payment and makes money through consumption. For those who like online shopping, Yu 'ebao is the best choice. Active treasure is purchased through Tian Tian fund platform, and there are many funds to choose from. Investors can change the money fund with low expected annualized expected return into the money fund with high expected annualized expected return at any time, and prefer wealth management products, which is suitable for the original Tian Tian fund.