Zhongsheng Bao Hui is a monetary fund managed by CITIC Capital Management Company, a subsidiary of CITIC Securities. It mainly invests in low-risk assets such as bank deposits and bonds, and its income is relatively stable, which is suitable for investors with low risk appetite.

Yu Debao is a wealth management product similar to time deposit, issued by Shanghai Bank, with relatively high yield and relatively high risk, which is suitable for investors with high risk preference. So it's better to be born in Bao Hui.