Which is more suitable for personal finance, Yu 'ebao, Licaitong and cash treasure?

Three are platforms that individuals think are "reliable+convenient". In fact, it is to buy money funds through a local tyrant platform with bargaining power and credit guarantee.

buy

Yu 'ebao is transferred from Alipay account, and PC+APP can operate, with convenience index ★★★★★★

Wealth Management via WeChat: My Settings-Binding Bank Card-Wealth Management, Convenience Index ★★★★★★

Cash treasure can operate through Huitianfu cash treasure: PC+APP, and directly log in to Huitianfu Fund account without opening an account. The convenience of purchase is indeed lower than that of the first two, with an index of ★★★★

profit

Expected annualized expected returns are always floating. For the temporarily higher expected annualized expected return is less than 1%, it is not a wise choice to redeem and buy another one.

Be aware that the redemption day is not the expected annualized expected return. If you encounter a holiday again (it is expected that the annualized expected income will be calculated after buying a holiday on a working day), it can be said that it will be much better after tossing.

The expected annualized expected returns of these products are similar. Who should I choose? Look elsewhere!

Transfer-out restriction+additional application-choose one that suits you.

My own combination is to put a little bit of all three, hehe, then I will talk about the advantages of the three. I don't want to see the following piles, only a summary, which is purple:

The money should be bought in Taobao-Yu 'ebao!

Pay back the credit card-Yu 'ebao+cash treasure!

This money may need to be cashed-cash treasure!

This money must be saved-financial management!

The following nonsense is explained in detail:

yu ebao

Attached to Alipay, additional peripheral services are the most extensive, but for me, the reason for not putting too much is its "advantages", so I want to limit consumption.

● It can be directly used for Alipay online shopping, which is awesome.

● Credit card repayment, utilities, fixed telephone charges, broadband charges and property fees.

● Transfer between colleagues and friends.

Wechat wealth management

Moreover, WeChat payment has not been fully opened, and there are few consumer services (of course, the momentum is very strong, and the taxi is a good example). A child who just graduated once told me; "I used Yu 'ebao and found that I spent more money! Therefore, in the future, Yu 'ebao will be transferred to Tenpay every 500 yuan, which is a deposit. "

● To a certain extent, you can calm down the impulse of consumption, save money, and read WeChat n times a day to see if the expected annualized expected income has stopped, right?

Generally speaking, the expected annualized expected return is the highest among the three.

● Gospel of Financial Management for Minors: My niece wants to buy Yu 'ebao, and her ID card with debit card is below 18, which was rejected, and Licaitong passed directly.

Cash treasure

● 1 sec, it is indeed the fastest transfer to bank cards and the best liquidity (and it is also known as the best in the industry all the year round). Yu 'ebao transfers money to Alipay in real time, but it basically takes two hours to transfer money to a bank card, and it takes two hours for Licaitong to transfer money to a bank card, and it may take longer in the early morning.

● Multiple cards can be bound without entering or leaving the original card. Buy which card if you have money, and exchange which card if you need money, which is convenient!

● You can directly repay multiple bank credit cards and receive them in real time. In particular, CITIC can automatically repay.