I believe everyone is familiar with Yu 'ebao. Yu 'ebao is a familiar financial function in Alipay. Users can get a certain investment income by depositing funds into Yu 'ebao. Just last year, WeChat, which occupies an important position in the mobile payment industry like Alipay, also launched a financial product similar to Yu 'ebao-Bitong. Since the introduction of Bitcom, many people will compare Yu 'ebao and Bitcom together. So what is the interest difference after one year?
The essence of Yu 'ebao and Bitong belongs to fund management services, which are connected with the money fund wealth management products of different fund companies. As of April 7, Yu 'ebao and Bitong had access to 20 money funds respectively. The income of different money funds is different, and the daily income of the same money fund will be different. The following is the annualized rate of return of some money funds of Bitong and Yu 'ebao on April 7:
On April 7th, among the money funds accessed by change link, Penghua Value-added Bao had the highest annualized rate of return on the 7th, which was 3.2 1%, while ZTE Tian Quan Baoli, the money fund accessed by Yu 'ebao, had the highest annualized rate of return on the 7th, which was 2.78%. Seven-day annualized rate of return is the data obtained by the Monetary Fund based on the average income of the last seven days.
Assuming that the income of change pass-Penghua value-added treasure will remain unchanged in the next year, the overall income level will be 3.2 1% after one year. If you use 20,000 yuan to buy change-Penghua value-added treasure, the income after one year is 2000 * 3.2 1% * 1 = 642 yuan; Assuming that the income of Yu 'ebao-Xingquan Tianlibao will remain the same in the next year, the overall income level of Yu 'ebao-Xingquan Tianlibao will be 2.78% after one year, so the income of 20,000 yuan to buy Yu 'ebao-Xingquan Tianlibao will be 2000 * 2.78% *1= 556 yuan, which is different from that of 86 yuan.
Since the daily income of the money fund will change with the fluctuation of the interest rate in the money market and the operation of the fund manager, it is unlikely that the income of the money fund will remain unchanged for a year in practice. Therefore, the income difference between change pass and Yu 'ebao is only based on reality. From the current point of view, the overall income of change pass is slightly higher than that of Yu 'ebao.