Which is better, Netease cash treasure or Yu 'ebao?
Comparison of expected rate of return: Netease cash treasure docked with Huitianfu cash treasure Money Market Fund. As of August 2 1 day, the expected annualized expected rate of return on the 7th was 4.484%, while Tian Hongzeng Libao of Yu 'ebao was 4. 18%, and the difference of ten thousand expected returns between them was less than 1 cent. In fact, in the past few months, the expected returns of all money funds have been declining, and the gap between different products is not big. After one month, the expected return of 10000 copies is 3~4 yuan.
Liquidity comparison: Under the same purchase threshold, Netease cash treasure T+0 has the highest daily withdrawal limit of 5 million, which is the highest among all kinds of "babies", and the time of receipt is also fast. The balance treasure transferred to the bank card is only 50,000 yuan per day, which is not suitable for large funds to enter and exit.
Additional consumption payment function: Yu 'ebao is a balance financing tool for payment from the beginning, with powerful payment function, which can not only support transfer, but also support online shopping consumption, while Netease Advanced Bao does not have this function.
Bian Xiao comments: The risks of baby wealth management products are almost the same, both are relatively low, and the expected rate of return is getting closer and closer. Therefore, for the "baby" of balance financing, the most important thing is to look at its liquidity, the flexibility of fund access and the rapidity of cash withdrawal, so as to avoid wasting time when funds are urgently needed. At the same time, it would be more convenient if some transfer and payment functions could be added.