Treasury bonds are generally called "risk-free rate of return", and the current yield of three-year treasury bonds is about 2.8%;

Time deposit: deposits enjoy the deposit insurance system, that is, within 500,000 yuan 100% payment. At present, the interest rate of three-year fixed deposits in banks is around 3.5% (small and medium-sized banks can be around 3.5% after the interest rate rises, and large banks generally implement the benchmark interest rate of 2.75%);

Monetary Fund: At present, the yield has fallen below 2.5%, and its security and liquidity are relatively high. According to the regulatory requirements, the daily "quick redemption" amount of a single money fund is RMB 6,543.8+0,000, that is, the redemption within RMB 6,543.8+0,000 can be received in real time. With the decline in the yield of money funds and the limit of quick redemption of 6,543,800 yuan, it is suitable for the allocation of small funds.

Bank wealth management: According to the requirements of the new asset management regulations, wealth management products, including bank wealth management products, cannot promise to protect capital and interest. Of course, not promising to protect capital and interest does not mean that wealth management products have great "risks", mainly depending on the risk level of the products. Under normal circumstances, it cannot be redeemed in advance, and the current yield is around 3.5%-4%.

Stock investment: the risk of stock is high, and the probability of potential high return is relatively high, provided that it can bear the risk of stock market fluctuation.

You can also pay attention to the "smart bank deposits" of small and medium-sized banks and enjoy deposit insurance protection (according to the Deposit Insurance Law, individuals can enjoy 100% compensation for ordinary deposits within 500,000 yuan in a single bank), and the "interest rate" is around 4%-5.5%, which has the advantages of high liquidity (early withdrawal) and higher interest rate than ordinary deposits.

Choose products that suit your risk preference, liquidity demand and income target.

Specifically, you can search for "download link of Du Xiaoman Financial APP (formerly Baidu Finance)" or pay attention to "Du Xiaoman Technology Service Number (Du Xiaoman Financial Management)" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!