Yu 'ebao is actually a monetary fund, which is operated by Tian Hong Fund, and its daily rate of return is different. Fund companies obtain income through various investment portfolios and allocate fund shares. From some time ago, the annualized income was generally between 6.2% and 6.7%. Average daily income of 10,000 yuan last month 1.6570.

Monetary fund is an open-end fund. According to the types of financial products invested by open-end funds, people divide open-end funds into four basic types: stock funds, hybrid funds, bond funds and monetary funds. The first two belong to the capital market, and the latter is the money market. The money fund mainly invests in bonds with a remaining maturity of less than 397 days (including 397 days), central bank bills with a maturity of less than one year (including one year), bond repurchases, bank time deposits, certificates of deposit, cash and other liquid money market instruments. Also known as "quasi-savings products", its main features are "worry-free principal, convenient demand, regular income, daily income and monthly dividends".