Treasury bonds, also known as national bonds, are issued by the Ministry of Finance in China and sold to individual investors through members of the "underwriting" group of treasury bonds (usually banks). National debt is generally called "risk-free rate of return". At present, the yield of three-year treasury bonds is around 2.8%, and the yield of five-year treasury bonds is around 3%.

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%);

The risks of these two products are relatively low and can be considered according to their own income targets and liquidity requirements.

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.

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!