Jingdong small vault is another investment and wealth management product after yu'ebao launched, which is to bring benefits to investors by purchasing monetary funds. Which is better, yu'ebao or Jingdong small vault? Next, I summarize some differences between yu'ebao and Jingdong small vault, and teach you how to manage money correctly!
Difference between yu'ebao and Jingdong small vault:
Which of yu'ebao and Jingdong small vault has a high income?
Annual yield of Jingdong small Treasury: 2.3400%
The calculation formula of income is (the confirmed share of capital in the small treasury of Jingdong / 10000) & times; every ten thousand earnings published by the fund company on that day (every ten thousand earnings is the fluctuation value, which will be published in the fund company every day). The income of Jingdong small Treasury is calculated by daily settlement and compound interest. The income obtained will automatically be used as the principal to get new income the next day.
Annual income of yu'ebao: 2.3190%
Income on that day = (capital of confirmed shares of yu'ebao / 10000) x income per 10000 shares. Suppose that the capital of your confirmed share is 9000 yuan, and the income of every 10000 shares on that day is 1.25 yuan. Put it into the calculation formula, your income on that day is 1.13 yuan.
Limit on amount and times of transfer in:
Jingdong small vault:
Minimum transfer in amount & Ge; 1 yuan (can be non positive integer)
Jingdong small vault transfers into jiashihuo wallet, with a single day and single transaction limit of 5 million, unlimited times per day and no maximum limit per month.
Jingdong small vault transfers to Penghua value-added treasure, with unlimited amount in one day and one transaction, unlimited times in one day, and the maximum amount of each month is limited to 1 million.
Transfer out of Jingdong small vault to Jingdong wallet and receive the account in real time. The limit for a single transaction is 50000, the limit for a single day is five times, the limit for a single day is 150000, and the maximum limit for a month is 1 million.
Balance treasure:
Minimum transfer in amount & Ge; 1 yuan (can be non positive integer)
One million for a single transaction, one million for a single day and one million for a single month; unlimited quick withdrawal of savings card, 50000 for a single ordinary withdrawal card, 50000 for a day and 200000 for a month.
Yu'ebao transfers out to the balance and arrives at the account in real time, and transfers to the bank card for 2 hours.
In terms of capital security, yu'ebao and Jingdong small vault are guaranteed in full by the third-party insurance company. Compared with other investment and wealth management products, the risk is much smaller.
In terms of income, both of them show fund changes on a daily basis, taking the seven-day annualized yield as a reference, but neither of them is very stable. Yu'ebao is a little lower than Jingdong small vault. Although Jingdong small vault is a latecomer, it doesn't have much competitive advantage.
In terms of competition, there is not only competition between yu'ebao and Jingdong small vault, but also a threat to the interests of the bank, so they will be under pressure from the bank to compete with the bank.
In terms of policy supervision, there is no clear regulation on whether the payment channels of yu'ebao and Jingdong small vault can directly purchase monetary funds. In fact, cooperation with fund companies has played a marginal role, so both have potential policy supervision risks.
In addition, Jingdong has launched "Jingdong Baitiao" similar to credit card service before. Combined with Jingdong small vault, users can first consume with the Baitiao, and then deposit the money into the small vault, which has strong practicability for some users.
Generally speaking, the similarities and differences between yu'ebao and Jingdong small vault are superfluous, but there is still a certain gap between Jingdong small vault and yu'ebao in terms of technology. In terms of popularity, JD's small vault can't compare with yu'ebao, which has a certain relationship with the online time. Financial users should make different financial plans according to their own situation to reduce financial risk.