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%. 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. 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 Du Xiaoman Wealth Management APP (formerly Baidu Wealth Management), including current and regular wealth management products and selected fund products, 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early withdrawal income of about 3.8%, can be accessed at any time, the value of the day is not limited, and it can be withdrawn on any natural day, and it can be received in real time on the same day, with no trading day limit and no limit, and 65,438+000% payment within 500,000 yuan;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 deposits" has an annualized rate of return of about 4.8%, which belongs to bank deposit products and is paid within 500,000 yuan 100%, which is suitable for stable and above investors;
There are also some selected stock fund products, which are suitable for investors who can take certain risks and pursue the preservation and appreciation of wealth.