Monetary fund: The popularity of monetary fund has been very high in recent years, and many people regard it as a substitute for bank deposits. However, with the declining rate of return and the implementation of quick redemption restrictions, the status of money funds is not as stable as before, but it is still good to allocate as current financial management.

Online bank time deposit products: In recent years, many private banks have released many deposit products online. For example, the yield of five-year fixed deposits of Yilian Bank reached 5.45%, even exceeding most wealth management products. Most importantly, this deposit product is to ensure the safety of the principal and is suitable for stable investors to buy.

Matters needing attention in financial management

1. Don't invest blindly: there are certain risks in investment and financial management, and everyone needs to have basic risk awareness. Before investing, you should recognize the form, prepare the necessary knowledge and skills, and don't invest blindly.

2. Learn to keep accounts: keeping accounts can not only help you make a good budget, but also help you control some unnecessary waste. When you know your expenses like the back of your hand, you can invest or save some of your income.

3. Pay attention to risk prevention: it is very important to make any investment and prevent risks. Don't ignore risks because you want to make a profit. So before investing, you need to know about the project you are investing in, so as to make preparations and forecasts.