Which is higher, 1, yuan deposit bank or Yu 'ebao, has its own advantages.

At present, people usually choose to deposit money in the bank or Yu 'ebao, both of which are relatively safe financial management methods. So if you have 1, yuan, is it better to put the balance treasure or deposit it in the bank? Let's take a look at the relevant analysis.

which is higher, the deposit bank of 1, yuan or the balance treasure

The security and income of the deposit bank will be higher. First of all, in terms of security, because bank time deposits are guaranteed capital and interest, and the security is relatively high, there will be no losses, while Yu 'ebao is connected with the money fund, which is risky, that is to say, there is the possibility of losses, so from this perspective, bank time deposits are more suitable for conservative investors.

in terms of liquidity, bank deposits can be roughly divided into two types: demand deposits and time deposits. Demand deposits are convenient to access at any time, while time deposits are poor in liquidity because of the limitation of deposit term. The liquidity of Yu 'ebao, like demand deposits, can be easily accessed at any time.

in terms of income, the income advantage of existing banks is mainly reflected in the deposits with longer term. A deposit with a long maturity will earn higher interest than the one placed in Yu 'ebao. The income advantage of Yu 'ebao in a shorter term will be more obvious, but the yield of products in Yu 'ebao is not much different, even if the interest is the highest, it is only several times that of demand deposits.

What are the advantages of Yu 'ebao

1. Taking both profitability and liquidity into consideration: Compared with traditional wealth management products, Yu 'ebao products provide users with a wealth management tool with very good performance in profitability and liquidity;

2. The operation process is simple: Yu 'ebao products are built into the fund direct selling system of fund companies, and users can purchase or redeem funds in the balance treasure, and the steps are relatively simple;

3. Low investment threshold: Yu 'ebao products are not limited to the minimum purchase amount of users, which helps to concentrate all the fragmentary and idle assets of society to the greatest extent, improve the utilization rate of social capital, and at the same time allow users to enjoy the most convenient financial services.

It can be seen that Yu 'ebao and the deposit bank each have their own advantages. As for where to deposit the money, it depends on which point everyone pays more attention to.