1. Deposit financing: deposit idle money into the current or fixed deposit of the bank to earn interest income. Generally speaking, time deposit is relatively safe and the income is stable, but relatively speaking, the liquidity is not too high, so you need to consider the capital demand before making a choice.
2. Monetary fund: Monetary fund is a fund that invests in short-term low-risk bonds and has relatively high liquidity and security. Investors can get a fixed income by buying money funds.
3. Short-term wealth management products: Short-term wealth management products generally have higher returns and better liquidity. However, we should pay attention to the choice of formal financial institutions and wealth management products, and understand the related risks and costs.
4. Bank wealth management products: Bank wealth management products are a combination of time deposits and investment funds, with relatively low risks and relatively stable returns. However, it is necessary to pay attention to the choice of formal banks and wealth management products.
In short, when choosing short-term financial products, we need to comprehensively consider factors such as product income, risk, liquidity and cost, as well as personal risk tolerance and capital demand. At the same time, we should choose formal financial institutions and wealth management products to avoid fraud.