There are the following general wealth management products:
1. Bank time deposit
Risk degree: Level 1
The rate of return is 2%~3%. Generally speaking, the bank time deposit has a high security. Therefore, the risk level of bank time deposit occupies the first place among many wealth management products, and it has the highest security performance, and there is basically no loss when the money is deposited in the bank.
2. National debt
Risk level: 1.5
In short, if you lend money to the state and the China government issues it, the income is generally slightly higher than that of the bank, and it is guaranteed by the state, with low risk and very high safety performance, unless the China government goes bankrupt, but the possibility is generally very small. When your deposit time is up, your principal and income will go into your pocket.
3. Risk degree of money funds
Level 2
Generally, money funds such as WeChat Coin Pass, Yu 'ebao, cash treasure and Xiaojinku have an annualized rate of return of 2%~3%, and their income is higher than that of bank deposits, and they can be withdrawn at any time, which is particularly convenient.
4. Trust
Risk degree: Grade 4
Trust products require a higher threshold and have a principal requirement. Generally more than 1 million yuan, the annual rate of return is about 1%. In terms of security, trust products can't be guaranteed. Although the income is high, the risk is also high.
5. Stock fund
Risk degree: Level 5
Compared with money funds, bond funds and banks, stock funds are high-risk and high-yield. If the market is good, stock funds are rising, then their income is higher than that of money funds, bond funds and banks. On the contrary, if they are falling, then their income is lower than that of money funds.
5. Stock
Risk degree: Level 6
Stock risk belongs to high risk and high return, and it belongs to products that either earn a lot or lose a lot. The return rate is particularly unstable. Many people want to get rich through stock trading, but what they can really do is still very few.