Risk classification: 1. Bank deposit:
Risk level: 1.
The yield is between 4% and 6%. As far as safety is concerned, the bank says second, and no one dares to say first. Therefore, the risk level of bank deposits ranks first among many wealth management products, with the highest safety performance. In addition, with the national guarantee, the money deposit bank generally does not have the risk of loss.
2. National debt:
Risk level: 1.5.
As the name implies, it is to lend money to the state, which is issued by the China government and guaranteed by the state. The income is slightly higher than that of banks, and the risk is lower. It is the favorite of aunts and grandmothers. In terms of safety performance, it means that unless the China government goes bankrupt-this possibility is of course extremely low. By the deadline, your principal and income will be safely returned to your pocket.
3. Monetary funds such as baby products:
Risk level: Level 2
The recent annualized rate of return of money funds such as Yu 'ebao, cash treasure and Xiaojinku has reached 5%~6%, which is higher than bank deposits. They are flexible and can be withdrawn at any time, which is very popular with young people.
Extended data:
In China, besides bank financing, there are also securities companies and investment companies that can provide financial services to customers.
Among them, the wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
Securities financing generally includes stocks, funds, futures, etc. Investors can choose different financing tools according to their different needs and investment preferences.
The financial management of investment companies generally includes gold, jade and jewelry. It needs high start-up capital and is suitable for high-end financial people. ?
References:
Baidu encyclopedia wealth management