Hi,
there is a conceptional difference. @Embedded is about the component concept. It allows you to have the properties of an @Embeddable class mapped into the table of the entity using the embeddable class. In Hibernate calls @Embeddable classes components -
http://www.hibernate.org/hib_docs/v3/reference/en/html_single/#components-dependentobjects. Components express to a certain degree what in UML is considered an aggregation.
On the other hand you can tell Hibernate how to persist a certain poperty/class by defining a custom type -
http://www.hibernate.org/hib_docs/v3/reference/en/html_single/#mapping-types-custom.
Of course you could also map your money class as full entity.
Which way you choose depends to a certain degree on your personal taste and requirements. I would probably use the component or full entity approach.
--Hardy