In fact, financial management mainly depends on two points: first, choose products that suit your income goals, risk preferences and liquidity requirements; Second, choose a "reliable" platform, such as banks, BAT and other platforms with big brand credit endorsement.
At present, the "most reliable" wealth management products can pay attention to the "bank smart deposit" products. According to the deposit insurance guarantee system, the payment will be made within 50W 100%. Of course, "saving" does not mean going to the bank directly for life, or on a regular basis. You can pay attention to smart deposit products or large deposit certificates issued by small and medium-sized banks, and the yield can be around 4%-5%.
According to the requirements of the new asset management regulations, wealth management products other than "deposits", 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 look at the assets behind the products, such as some "low-risk" products that invest in government bonds, financial bonds and money market instruments.
At this stage, there are some products on the platform of Duxiaoman Wealth Management APP (formerly Baidu Wealth Management), including demand and fixed bank deposits. For example, the demand product "Sanxiang Bank Demand" can be withdrawn in advance, with a yield of about 3.9%, which can be accessed at any time. It can be withdrawn on the same day, regardless of holidays, and it can be received in real time on the same day. There is no trading day limit and no limit, and it is 65,438+within 500,000 yuan.
You can search for "Du Xiaoman Financial APP" or pay attention to "Du Xiaoman Technology Service Number" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!