In terms of financial management of Postal Savings Bank and Chongqing Bank, to be honest, neither bank is particularly high and is not suitable for current financial management.

Generally speaking, the interest rate refers to the annualized rate of return, that is, the interest calculated by 1 year.

For the bank's wealth management products, it can be divided into several pieces:

1, fixed survival period (low income, long account period, not recommended)

2, funds and other financial management (there are certain risks, you have to have a certain risk tolerance, or invest in index funds every month)

3. High-risk investment such as futures (this investor who does not recommend deposits below 200,000 yuan needs to have a stock and fund investment foundation of 3-5 years. Margin trading is not something to be done at once, and the risk is particularly high).

4. Other wealth management products sold by banks (such as gold and silver coins and bonds sold by other enterprises). , you can decide according to your own preferences)

So it's up to you to choose.