零钱包和余额宝哪个好？
关键字：零钱包和余额宝哪个好？
零钱宝和余额宝两者都是和货币基金挂钩的，获得的都是货币基金的收益，并且还可以随时赎回，还具备了消费购物、还信用卡、生活缴费等多种应用功能。对于广大市民而言，零钱包和余额宝哪个好？哪个能够为市民带来更多的收益呢？
一、零钱宝与余额宝有何不同？
二者最大的区别在于，零钱宝挂钩两家基金公司的货币基金，零钱宝支持广发天天红和汇添富现金宝两只货币基金。用户在转入资金到零钱宝时，需选择其中之一，零钱宝不支持同时持有两只基金产品，但可以相互转换。而余额宝连接的是天弘增利宝中的一只货币基金。
二、零钱宝与余额宝收益大比拼
银率网数据显示出，每只货币基金从各自的成立日至2013年1月13日期间，平均的七日年化收益率分别为，天弘增利宝4.96%，汇添富现金宝5.63%，广发天天6.11%。
从以上数据可以看出，成立越晚的货币基金平均的七日年化收益率越高，这是由于年下半年，货币市场利率中枢不断上移，货币基金的收益也随之不断走高。由于成立时间不同，因此以上数据难以横向比较。
事实上，七日年化收益率并不能体现投资的实际收益，以区间内（2013年10月22日至2014年1月13日）每万份收益的累积收益进行横向比较更为客观。在此期间内，广发天天红的每万份收益的累积收益为129.74元，汇添富现金宝为129.13元，天弘增利宝为123.55元。
无论是零钱宝，还是余额宝，都是属于货币基金，他们的收益比银行同期存款的利息率都要高。因而，相对来说，都是有一定的风险的，投资者仍然需要谨慎操作。
本文来源： 大田环球贵金属
最新内容
Risk Warning
Trading bullion and financial instruments carries significant risks and may not be suitable for all investors, requiring careful consideration of investment objectives, experience, and risk tolerance. Key risks include market volatility, leverage risks that can amplify gains or losses, liquidity issues that may prevent executing trades at desired prices, and technical failures in online trading systems. Prices fluctuate unpredictably, and past performance does not guarantee future results. CIDT Global Bullion Limited provides general market commentary but does not offer investment advice and is not liable for any losses incurred from reliance on its information, which may change without notice.
Jurisdiction Disclaimer
CIDT Global Bullion Limited's services are subject to local regulations and may not be available in all jurisdictions. Users are responsible for ensuring compliance with their local laws. Services are not provided in regions where they are prohibited by law, under international sanctions, or require licensing that the company does not hold. By using the platform, users confirm they are not in a restricted jurisdiction and accept full responsibility for legal compliance. The company reserves the right to decline or terminate services in restricted areas without prior notice.