1 Bank deposit is the safest wealth management product, because according to China's deposit insurance system, 100% will be paid within 50W. In other words, the principal will generally not be lost. But the income is very low, even for time deposits.

Moreover, time deposits also have certain skills, such as choosing the right term. In order to pursue high interest rates, many people will directly choose long-term fixed deposits without considering other factors, but it is easy to take them out halfway or the interest rate is upside down, but it is not worth the candle.

You can also try to use the 12 deposit certificate method and the 33-term deposit certificate method, which can ensure the liquidity of funds and still have relatively high returns. Want to know the specific operation method, you can click on the link below.

Money fund is a financial product worth recommending. We are familiar with the balance treasure, and the change pass is a money fund, and there is basically no loss of principal. However, in recent years, the incomes of both have fallen sharply.

However, there will be many money fund products in mobile banking at present. You can pay attention to low-risk products with relatively good returns, such as China Merchants Bank's Super Bao Chao (listed only, not recommended). These risks are similar to Yu 'ebao, but the returns are often higher.

How to choose bank wealth management products and discuss their wealth management have also been analyzed for everyone, so I won't go into details here. If you are interested, you can click on the link below for details.

The risk fluctuation of bond funds is also relatively small, which is more suitable for novice investment. However, not all products called bond funds are bond funds. Although many fund products have bonds in their names, they actually invest more in stocks, and the risks are much higher. So be sure to pay attention to its specific location.

Doing new debt is a highly recommended financial management method for many novices, and many people are not familiar with it. Similar to issuing new shares, but without market value requirements. As long as you open a stock account, you can issue new shares. There is no requirement to open a stock account. You can be 18 years old, and the probability of breaking is very low. Even if it is broken, the bond itself is valuable. Of course, if you can play new shares, the winning income may be higher.