Suggest upgrading. At this stage, the Royal Edition is a trust product jointly launched by Trust and Everbright Trust and sold through online merchant banks. Has the following characteristics:

1. The asset investment scope of this product is wider than that of the common version of the money fund, so there will be higher income opportunities, and there is no loss in the history of the product.

2. In order to meet the liquidity needs of merchants, the daily quick redemption amount of this product is increased to 2 million, which can support a flexible redemption experience.

3. Jade Premium Edition is a medium and low risk product, which is suitable for customers with (stable) or above risk tolerance. In order to improve the safety of products, online merchant banks have made strict requirements on the investment of trust funds, and at the same time strictly controlled the risks of investment assets, so that the upgraded Yu Bao Li can better help merchants manage their finances.

Yu is a cash management product mainly for individuals, small and micro enterprises and small and micro operators. The product itself is the Yunshangbao Monetary Fund launched by Tian Hong Fund, which has the characteristics of low risk and high liquidity. It is jointly built by online merchant bank and Tian Hong Fund.

In September 1 1, 2065438, service adjustment was announced on. From September 20 18, 10 and 18, the quick redemption limit for individual users was lowered from 1 10,000 yuan to 1 10,000 yuan.

The rest is a cash management tool created by online merchant bank operators (including small and micro enterprises and individual operators). This product can be used in both online merchant bank app and Alipay platform, but the money transferred from different platforms will belong to two accounts.

Yu Baoli, like Yu 'ebao, is profitable and can be transferred in and out, so in fact, they are basically the same, except for some small gaps.

First, Yu 'ebao is for personal use, while the balance is for operators, but the balance can also be used by individuals.

Second, there is a slight difference in income between the two. My income is still relatively high. Take today as an example. The annualized interest rate of Yu Baoliji's yield in the last 30 days is 2.2844%, and that of Yu 'ebao is 2.2350%, with little difference.

Third, we all know that if the balance of Alipay is transferred to Yu 'ebao and then withdrawn, a handling fee of 0. 1% will be charged, but Yu Bao Li does not have this handling fee;

4. The subscription limit for the remaining shares is relatively high, with an enterprise account of 50 million yuan and an individual operator of 65.438+million yuan, with the minimum transfer of 0. 1 yuan. The balance treasure amount is 654.38+ten thousand yuan;

Fifth, the fast cash withdrawal amount of Yu 'ebao is RMB 1 000 per day for a single card, and the amount of Yu 'Bao Li is higher. The fast daily transfer amount of accounts opened or upgraded after 2065,438+08,65,438+08 is 65,438+0,000 yuan;

Finally, the money in Yu 'ebao can be directly used for consumption, while the money in Bao Lili can't, so it can only be accessed.

If you spend a lot, you can put it in the balance treasure. If it is simply to save money, you can put it in Yulibao, and you can choose according to your actual situation.