Which income is higher, Ant Wish or Yu 'ebao?

Ant Star wishes to automatically save money at a fixed interest rate every month after making a wish, and this part of the money is frozen in Yu 'ebao. At present, the interest rate of Yu 'ebao is 2.3870%, and the annualized interest rate of Ant Xingyuan is the same as that of Yu 'ebao, which is 2.3870%, so both of them have the same income.

Ant Star Wish, which is Alipay's ant star wish, is a product for saving money for Star Wish. Users can make their own star wish in the ant star wish. After making and fulfilling the wish for the stars, they can name the stars as a souvenir.

Ant Star Wish, which is a product to realize "Star Wish" by saving money.

Every time I save a sum of money, the little star will be lit up. When the money saved reaches your goal, you can name a real star. Astronomical data such as the number, coordinates and constellation of stars are provided by the authoritative National Astronomical Observatory of Chinese Academy of Sciences. Of course, just give this star a name in Alipay's ecosystem.

Saving money in Ant Star is actually buying a money fund, similar to Yu 'ebao. At present, there are two monetary funds supported: South Li Tiantian A(003473) and Guo Fu Fu Bao (000638). Once selected, the funds cannot be changed.

When the accumulated amount (including holding income) > = the target amount, it is to realize the star wish, because the money fund purchased is mainly used to invest in securities such as government bonds and bank deposits.

When investors buy money market funds, it does not mean that they will deposit the funds as deposits in banks or deposit-taking financial institutions. Fund companies do not guarantee a certain profit or minimum income, so there is the possibility of principal loss.

The money of Ant Star Wish will not be displayed in Yu 'ebao, except that the money deposited by users in Ant Star Wish is used to purchase money fund products. Moreover, this money fund product is different from the money fund docked by Yu 'ebao. Users can enter the wealth fund and choose to hold and view the currently purchased fund. The foundation that Ant Star is willing to buy has a small brand under its name.

Ant star wish can choose to terminate the star wish and withdraw funds in advance. Open Alipay, click Yu 'ebao, click Ant Star Wish, and click Manage Star Wish to terminate Star Wish in the page. If Ant Star wants to terminate, it will apply for cash withdrawal on T, and the funds will be returned to Yu 'ebao before 24: 00 on T+/kloc-0.

Yu 'ebao refers to the wealth management products developed by Alipay. When the user transfers the funds in the balance to Yu 'ebao, it is equivalent to investing in the money fund, and the user can enjoy the income generated by the money fund. Because the money fund sales service is provided by Ant Financial Online Banking, there are many kinds of money funds in the balance treasure, and users can choose flexibly.

Money funds are mainly some types of securities, such as investment in government bonds and bank deposits. Therefore, among many wealth management products, money funds are deeply loved by investors because of their stable income and low risk. Unlike those stock funds and bond funds, money funds have the least risk. Although the income will not be much, it is also a kind of financial investment. The investment threshold of money funds is very low, and some 1 yuan can be invested, with no upper limit. The liquidity of money funds is also very high. Because it is a short-term investment, investors can purchase and redeem it at any time. When investors apply for redemption, the money will reach the designated account in about two days. There is no handling fee for money fund transactions, so its cost is very low.