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What is the safest means of investment and financial management?
At present, the "safest" wealth management product is of course "deposit". According to the deposit insurance system, the payment shall 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%. Other "wealth management products", including bank wealth management products, will no longer protect the principal and interest according to the requirements of the new asset management regulations.

At this stage, there are some current and regular wealth management products and selected fund products on the platform of Du Xiaoman Wealth Management APP (formerly Baidu Wealth Management) for users to choose according to their own liquidity preferences and risk preferences. For example, the current product "Sanxiang Bank Current Account", with an early withdrawal income of about 3.8%, can be accessed at any time, the value of the day is not limited, and it can be withdrawn on any natural day, and it can be received in real time on the same day, with no trading day limit and no limit, and 65,438+000% payment within 500,000 yuan; For example, the term bank wealth management product "Revitalizing Smart Deposit" has an annualized rate of return of about 4.8%, which belongs to a bank deposit product and pays 65,438+000% within 500,000 yuan, which is suitable for stable and above investors. Investment is risky, and financial management needs to be cautious!