1. The yield of change is higher than that of Yu 'ebao.
As of September 20th, the 7-day annualized rate of return of Coin Link (connected with E Fund) was about 3.3 1%, while that of Yu 'ebao (based on Tianhong Yubao Monetary Fund) was 2.96%, so the income of WeChat Coin Link was higher than that of Yu 'ebao.
Looking at the long-term performance of the two funds, it is still in line with this judgment. Therefore, from the perspective of earning income, change is better than Yu 'ebao.
Second, change pass supports WeChat payment, and Yu 'ebao supports Alipay payment.
Wechat Payment and Alipay are two giants of mobile payment, which are almost ubiquitous in life. Therefore, for the convenience of consumption and earning income, many people will deposit their money in Yu 'ebao or change alley. From this point of view, it is better to choose small change for payment with WeChat, or choose Yu 'ebao for payment with Alipay.
Third, it is more advantageous to restrict purchases and exchange through tickets.
At present, the daily subscription amount of Yu 'ebao is limited, and it is sold at 9: 00 every day. If it's late, it won't be there. However, this provision only applies to the currency of Tian Hong Yu 'ebao. After the upgrade of Yu 'ebao, the purchase of other monetary funds is neither restricted nor restricted.
Wechat change pass does not have the restriction of Yu 'ebao, and there is no restriction on purchase. You can buy as much as you want within the transaction limit of bank cards, but the redemption limit is still 10000. From this point of view, for users who have not upgraded Yu 'ebao, if they can't grab Yu 'ebao, it is better to buy a change pass.
Extended data:
Wechat "change pass" has a small scale of funds and belongs to the "small amount and high frequency" financial management scenario. The way to transfer money can only be through WeChat change transfer, not through other channels such as bank cards. The source of WeChat change mainly comes from sending and receiving red envelopes and transferring money between friends, while the consumption scenes are mainly taxis and meals, all of which are small scenes.
The single-day limit of WeChat "Change Pass" is 65,438+10,000 yuan, and the maximum limit of WeChat change payment is 200,000 yuan/year. Wechat has previously launched the function of "small change financing", but this part of financing funds is separated from the small change account, so it is impossible to spend money at any time while managing money. Tencent said that the introduction of "change" is to better enhance the user experience of WeChat.
Yu 'ebao is a balance value-added service created by Alipay, a third-party payment platform. Through Yu 'ebao, users can not only get higher income, but also pay and transfer money at any time. Users can purchase wealth management products such as funds directly on Alipay website, and get relatively higher income. At the same time, the funds in Yu 'ebao can also be used for online shopping, Alipay transfer and other payment functions at any time.
The funds transferred to Yu 'ebao shall be confirmed by the fund company on the second working day, and the income shall be calculated for the confirmed share. The advantage of Yu 'ebao is that the funds transferred to Yu 'ebao can not only get higher returns, but also be paid at any time, which is flexible and convenient.
The WeChat change of People's Daily Online-Standard Yu 'ebao, the stickiness to users still depends on habits.