Baby Internet personal financial products are also known as Yu’e Bao and Wealth Management. Baby Internet personal financial products are essentially monetary fund financial products with very low risks. , the income fluctuates with the market interest rate. The current interest rate is lower than 4%, and the investment threshold is even lower. The minimum investment is one yuan, which is very flexible and convenient.

Baby Internet personal finance is suitable for novice users of Internet financial management. In addition to Yu'e Bao and Licaitong, the main products include Baidu's Baifa, Suning's Wealth Management, etc.

2. Monetary funds

Monetary funds, as the most stable method of Internet financial management, will never go out of style. At present, the income of Yu'e Bao remains at around 4%. Although the income is a bit low, its liquidity is very strong and the advantage of being redeemable on the same day makes it difficult for other Internet financial products to match.

3. Bill financial management

Bill financial management means that banks resell discounted bills to major institutions, and then these institutions package the bills into financial products and sell them for various investments. By. At present, the income of bill financial management reaches between 7% and 8%. Investing in bill financial management is not without risks. Investors need to be wary of buying fake bills.

4. Online crowdfunding

Online crowdfunding refers to a model in which small businesses, artists or individuals display their creativity and value to the public and raise funds from netizens. If investors feel that the idea of ??the crowdfunding initiator is good and promising, then they can consider investing. After all, successful crowdfunding will generate huge returns. But if you think the risk is too great, then don’t invest, because there is no guarantee of principal and interest in crowdfunding.

5. P2P online lending and financial management

In the past two years, the p2p online lending and financial management industry has developed rapidly. Coupled with the introduction of the "Internet Financial Guidance Opinions" a few days ago, it has become more and more standardized. It has solved the p2p online lending and financial management industry mechanism and is now deeply favored by the public for financial management. The reason why the p2p online lending and financial management industry is so popular is its high yield, low threshold and strong capital liquidity.