As we all know, after the upgrade of Yu'e Bao, there are many more funds to choose from. After all, the default fund before the upgrade was Tianhong Fund, and everyone has become accustomed to the expected returns and risks of Tianhong Fund.

So, what are the differences between different Yu’e Bao funds?

Will the risk increase after changing funds?

Today, let’s talk to you about the differences between different Yu’e Bao funds.

There are two major differences between different funds in Yu'e Bao: First, there is no longer a purchase restriction. Tianhong Fund still has a limited time and purchase limit. Subscriptions can only be made at 9 o'clock every day, and the subscription amount is capped at 10,000 yuan.

The other funds have no time limit or purchase limit. You can choose to transfer money to Yu'E Bao at any time.

Difference 2: Different expected returns. The expected returns of Tianhong Fund continue to fall, and users who have not upgraded can only choose to switch out and purchase other financial products to increase their expected returns.

Users who have successfully upgraded can choose other funds introduced by Yu'e Bao. Different funds have different expected returns. You can choose based on the level of expected returns.

Similarities between Yu'E Bao's different funds Except for the different expected returns, the other Yu'E Bao funds have the same functions.

For example, you can use Yu'E Bao to consume, recharge, pay bills, repay credit cards, repay Huabei, repay borrowed money, etc. All Yu'E Bao funds have these functions.

At the same time, the risks of different Yu'e Bao funds are the same, and they are all low-risk currency fund products.

Monetary funds are mainly used to invest in securities such as treasury bonds and bank deposits. Therefore, there is basically no loss of principal, and it is rare that the expected returns cannot be paid.

You don’t have to worry about the different risks of different funds in Yu’e Bao. All funds in Yu’e Bao (including Tianhong Fund) have the same risk.