1 wechat wealth management is a product of Tencent. Comparing Licaitong and Yu 'ebao, they established the so-called "compensation mechanism". Due to the different transaction settings, they have certain differences in security. A major feature of Yu 'ebao is that it can be directly consumed in Taobao, which is convenient. Licaitong's funds only support the entry and exit of the same bank card, which makes the circulation of funds closed and cannot be used for consumption or transfer to other bank cards.
2 Financial partners are different from Yu 'ebao's single docking Tian Hong Fund. The advantage of WeChat financial management lies in the large number of cooperative fund companies, and most of these companies are first-line big brand companies, and the products provided by these companies are also star products. Users are expected to better achieve independent financial management, and can choose products that are more suitable for them and have more stable yields.
3 Investment income and financial management are better precisely because there are more partners and stronger strength in financial management. Judging from the investment income that investors are most concerned about, Licaitong has always had an advantage. The newly launched Huitianfu Quanbao has an average annualized rate of return of 6.35% since its establishment, and the income of Huaxia Caifubao, which cooperated before, is also relatively stable. Both products are higher than Tian Hongzeng Libao Fund cooperated by Yu 'ebao.
4 the purchase process is simple. In addition to the process differences caused by the setting of multiple companies, the registration and investment processes of Licaitong and Yu 'ebao are very simple, and the subscription can be completed within 5- 10 second.
5 investment threshold wealth management is more close to the people. Previously, the investment threshold of money funds was generally around 1 10,000 yuan.
Extended data:
With the launch of WeChat version 5.0, financial institutions have extended their wealth management business to the field of WeChat. Through WeChat, customers can not only know the information of wealth management products, but also manage their accounts and recharge their fees. With the launch of WeChat financial management, customers can first add WeChat accounts of different financial institutions on WeChat, and then conveniently conduct one-on-one business consultation through convenient interaction, and can also inquire their account information at any time.
Create background
With the continuous development of the Internet, from June 2065438 to October 2003 10, there were more than 400 million smartphone users in China, and the influx of population popularized smartphones and gave birth to the mobile Internet.
In the era of mobile Internet, we have witnessed the charm of creativity and the speed of innovation. With a little attention, you can easily find WeChat users around you everywhere. The charm of WeChat is that it can establish a very private social circle of friends among acquaintances by transmitting text, pictures, voice, video and other information, and microfinance has also begun to enter the mobile Internet.
More convenient financial management methods are gradually coming into our lives. In an interview with Manager+, Yin Fei mentioned that "the speed of Internet development determines that the Internet will have a great impact on traditional banks in the future. In the next five years to 10, the situation of separate operation of bank funds and insurance funds may change under the impact of the Internet. The future financial industry is likely to exist in the form of financial companies, covering banking, insurance, securities and other businesses. "
References:
Wechat Finance-Baidu Encyclopedia