Yu Bao and Yu Libao, as Alipay's two currency products, have attracted the attention of a large number of users. This article will compare the yield methods, redemption time limits and yields of these two products in detail, helping users make choices according to their needs and fund usage.
1. Comparison of income method and redemption time
1. Yue Bao:
Income method: Reflected through 10,000 returns, the daily income is directly credited to the balance of Yu'e Bao and can be withdrawn at any time.
Redemption time: real-time arrival and redemption at any time.
2, Yu Libao:
Income method: Reflected through the seven-day annualized rate of return, the income is withdrawn daily and received every Monday.
Redemption time: T+1 redemption time, which will arrive on the second working day after applying for redemption.
Second, the yield comparison
The yield of Yu Bao and Yu Libao is usually based on the market interest rate and the actual performance, and changes with market changes. Under normal circumstances, Yu Libao's yield is slightly higher than that of Yu Libao.
3. Comparison with other investment products
Relative stability: Compared with high-risk investment products such as ** and others, the yield of Yu Bao and Yu Libao is relatively stable and the risk is low.
Comparison with bank deposits: These two products typically offer slightly higher yields while maintaining strong liquidity compared to bank deposits.
Although Yu Bao and Yu Libao are both currency products, there are obvious differences in the income method and redemption time. Users should consider their own capital needs, risk appetite and return expectations when making a choice to make the most suitable choice for them.