Judging from the situation, Alipay's regular financial management often comes from cooperative pension insurance companies, and the product type is old-age security products; Baby financial management mainly refers to Yu 'ebao and Yu Bao Li, and everyone is familiar with it; Among fund products, money fund and wealth management fund have lower risks and can be compared to wealth management. Other stock funds and bond funds are likely to lose money, so I won't mention it here.
Which is better for Alipay to manage money?
First, the comparison of risks.
In terms of risk, baby finance
Second, the expected income level comparison
In terms of expected income, according to the data of May 15, the 7-day annualization of Yu 'ebao and Yu Bao Li are both above, while the 7-day regular wealth management with the lowest annualization and the highest net worth on May 15 has higher expected income.
As for money funds and wealth management funds, their seven-day annualization is similar to baby wealth management. If you choose a little, you can choose the one with high expected income.
Third, flexibility comparison.
As for flexibility, it is definitely the best financial management for your baby. Yu 'ebao supports a maximum of RMB 1 ,000 on the same day, and Yu Bao Li supports a maximum of RMB 1 ,000 on the same day. It can be received within two hours after the cash withdrawal is received on the same day, and it can also be received on the next trading day.
Money funds are not as flexible as baby's financial management, and do not support the same day, usually the next trading day. Generally speaking, wealth management funds have a certain period of time, such as payment in 7 days, redemption after 7 days, and redemption is also the next trading day.
The flexibility of regular financial management is the worst. You can't take it out before it expires. After the expiration, most of them are paid to Alipay, and then you automatically buy Yu 'ebao.
Ok, the analysis of three types of Alipay financial management is here. In short, they have their own advantages and disadvantages. There is no perfect financial management, only the most suitable financial management, just choose according to your personal situation.