华夏活期通和余额宝哪个更好？
关键词：华夏活期通和余额宝哪个更好？
随着国内金融市场的发展，理财产品不断推陈出新，华夏活期通和余额宝作为现下热门的理财“宝宝”，各位了解过吗？您们觉得哪个更好呢？
一、华夏活期通
华夏活期通是一个收益远超活期存款，资金取用灵活的现金理财账户。它是由华夏基金于2013年推出的，存入活期通就是购买华夏现金增利货币基金，该基金主要投资银行存款和债券，不参与股票投资，与股市无直接关系，所以资金风险低。
二、余额宝
余额宝是由第三方支付平台支付宝为个人用户打造的一项余额增值服务，它的基金管理人为天弘基金。通过余额宝，客户不仅可以得到收益，还能随时消费支付和转出。
三、华夏活期通与余额宝的比较
| 活期通 | 余额宝 | |
| 投资起点 | 1.0元 | 100.0元 |
| 投资上限 | 100万 | 1000万 |
| 转出额度限制 | 转出至支付宝单笔转出5万
单日转出5万 单月转出20万 |
20万 |
| 到账时间 | 单笔≦5万，第二个自然日24点前到账单笔>5万，一个工作日内24点前到账；工作日不包括法定节假日、双休
实时到账：仅光大、中信、平安、招商四家银行 |
365天T+0赎回到账 |
| 特点 | 用户在支付宝网站可以直接购买基金等理财产品，同时余额宝内的资金还能随时用于网上购物、支付宝转账等支付功能。实质为货币基金。 | 快速提现；自动理财；还信用卡；还贷款；跨行转账；支持手机交易和微信交易。 |
| 手续费 | 暂无 | 暂无 |
| 年化收益率 | 4%左右 | 4%左右 |
| 风险 | 收益不固定；没有提醒用户货币基金的投资风险，一旦因收益争执，法律纠纷难避免；按支付宝余额可购买协议存款，能否购买基金没有明确规定，从监管层面来说，余额宝并不合法，若监管部门发难，余额宝可能被叫停。 | 管理人不保证基金一定盈利，也不保证最低收益，基金的过往业绩不预示其未来表现。 |
活期通和余额宝年化收益率相差不大，另外同为货币基金，风险相差也不大，怎么选择在于哪个比较适合投资者的实际情况，比如说经常用网上购物的投资者就比较适合选择余额宝，而经常现时取款的投资者就比较适合活期通。
本文来源： 大田环球贵金属
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