余额宝比银行理财好吗？
关键词：余额宝比银行理财好吗？
常言道：你不理财，才不理你。随着经济的发展，物价逐步上涨，仅靠工资已经满足大众的支出需求，人们的理财意识逐步增强，国内的理财产品也得到了良好的发展。以前，大家购买理财产品一般会选择银行，但现在，随着理财产品的多样化，更多人会选择更加便捷的理财产品，如余额宝、理财通等。那么这些理财产品是不是比银行理财好呢？现在，小编就来给大家讲一讲余额宝是不是比银行理财要好。
一、起投资金
银行理财的起始金额一般为5万，最低的至少也要1万起投，起投点高。而余额宝则没有这种限制，几十元、几百元都可以。因此，对于学生族、刚毕业的上班族而言，余额宝比银行理财要好。
二、存取灵活度
银行理财产品在到期日之前不能取出资金，即使有些银行允许，但该段时间内的收益也没了。但余额宝属于货币基金，天天算收益，可以随时取用，并且可以直接用于网上购物，十分方便。
三、资金利息
银行理财产品是单利计算的，而余额宝则是每日结算利息，并且利息可以作为当天的本金存入享受复利收益。
四、办理时间
购买银行理财产品需要在银行的招募期内购买，而购买之后需要等招募期过后才会开始计算利息，等到期之后还需要几个工作日的时间本金和收益才能到账，遇到节假日还会推迟到账时间。这样可能本来60天的理财产品就变成65天了，这会直接导致实际利率的下跌。而余额宝则不会出现这个问题，其利息是每日计算，隔日就能看到收益，并且可以随时使用的。
五、产品连续性
一般而言，银行的理财产品在一个到期之后，很难即刻找到一个收益相同的产品给大家继续购买，即使银行推出的产品及时，但是也得等新的一轮招募期。而余额宝则是24小时都可以随时转入资金，第二天即可享受收益。
综上所述，小编觉得余额宝比银行理财产品好很多，不但没有门槛，享受复利，还能随时取用，十分便捷。
本文来源： 大田环球贵金属
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