The 13 funds in WeChat change pass are monetary funds, and the security belongs to one level. So it depends on which fund has a high rate of return and which one to choose. Nearly a year ago, the top three were: Fuguo Fu Wallet 3.74%, Wanjia Tiantian Bao 3.72%, Cargill Li Jintian and Yifangda Yi Wealth Management 3.7 1%. Nearly two years ago, the top three were: Yifangda Easy Finance 8. 18%, Fuguo Rich Wallet 8. 12%, and southern fund Cashier E8.08%. To sum up, Yifangda Easy Finance, Guo Fu Rich Wallet and southern fund Cash Connect E performed best in the past, but there was little difference.

At present, the fund companies cooperating with WeChat change fund include southern fund, harvest fund and E Fund, and the money deposited by users in the change fund is basically transferred to the above three fund companies for management and sales.

Yifangda Easy Finance: It was established on 20 13, with a fund size of 1694. 5.2 billion yuan, an annualized rate of 3 in the past seven days. 265%, nearly 1 year 3. 9 1% (ranking 93/643 in the same category).

South Cash Connect Class E: Established on 20 14 with a fund size of 890. 8.4 billion yuan, annualised by 3 in recent 7 days. 147%, near 1 year 3. 89% (ranking 107/643).

Jiashi Jintianli: Established on 20 17 with a fund size of 608. 5.4 billion yuan, an annualized rate of 3 in the past seven days. 122%, near 1 year 3.

94% (ranking 7 1/643).

Huitianfu all-inclusive treasure: It was established on 20 13 with a fund scale of 839. 2.4 billion yuan, an annualized rate of 3 in the past seven days. 13%, near 1 year 3. 9% (similar ranking 100/643).

From the perspective of income, at present, E Fund has the highest financial management, and the four money funds have the same security. Therefore, it is no problem for everyone to choose the E Fund with higher income, but the rate of return will change. It is difficult to guarantee that the future income of the E Fund will not decline, but it should not be much different.

Bitcoin is a new function of WeChat, and its function is very similar to that of Yu 'ebao. At present, all the funds in WeChat Cointong are money funds, which are relatively safe financial management methods with low risk and stable income. As for which fund to choose, we must first assess the individual's risk tolerance and choose the right product according to their own risk tolerance. It is necessary to know that the income and risk of wealth management products are directly proportional. The higher the expected rate of return, the higher the risk coefficient. In addition to having certain professional knowledge, you can choose according to your actual situation.