As an "old-fashioned goods base", ICBC Currency won the Golden Bull Award, which is known as the "Oscar" in the fund industry, and won a good five-star rating this year. Once Yu 'ebao was established, it was widely regarded as the first year of Internet financial management in China. At the same time, Yu 'ebao has become the most typical representative of inclusive finance. So which is better, ICBC currency or Yu 'ebao? Let's talk together.

ICBC Currency: ICBC Currency is the abbreviation of "ICBC Credit Suisse Money Market Fund", which was established in March 2006. ICBC Credit Suisse Bank Fund Management Co., Ltd. is the first joint venture fund management company directly initiated and controlled by banks in China. The shareholders of the company are China Industrial and Commercial Bank of China Limited (80%) and Credit Suisse Bank (20%), with a registered capital of RMB 200 million.

Yu 'ebao: Yu 'ebao is a balance appreciation service and current fund management service product under Ant Financial, and the fund manager is Yu 'ebao's Tian Hong Fund. Tian Hong Fund Management Co., Ltd. is one of the national public offering fund management companies approved by China Securities Regulatory Commission. In the first half of this year, the asset management scale of Tian Hong Fund in Public Offering of Fund reached 850.5 billion yuan, ranking first among 108 management companies with issued funds.

ICBC currency: mainly invests in short-term bonds, central bank bills, bond repurchase and other money market instruments, characterized by high principal security and stable expected returns; Low investment cost, high convenience and exemption from income tax; As of July 1 1 day, the expected return per 10,000 copies of the fund products reached 65,438 yuan +0.0629 yuan, and the annualized rate of return on July 7 was 3.9850%. As of July 1 1, the expected return per 10,000 shares of ICBC currency reached 65,438 yuan +0.0629 yuan.

Yu 'ebao: The docking is the Yu 'ebao Monetary Fund under the Tian Hong Fund, which is simple to operate, with low threshold and zero handling fee. The expected income per 10,000 copies 1. 1026, the 7-day annualized rate is as high as 4. 1200%. Cumulative net value since its establishment 16.90%.

Editor's Note: To sum up, I think if you want to choose between ICBC currency and Yu 'ebao, you will choose Yu 'ebao, because Yu 'ebao is relatively flexible and can also be directly used for shopping, transfer payment, repayment and other consumer payments. Of course, this is just a personal opinion and I don't make any suggestions. If it is an investment choice, readers may need to consider other factors comprehensively.