Both are guaranteed. If the deposit is small and stable, you can consider the bank's wealth management products, such as CITIC's * * * winning series and Everbright's T plan. The starting price is 50,000, and the income is about 5%. Take the money fund as an example. Now, wealth management with more money and more interest is making more and more money, with a yield of 9%. Interest is calculated on the same day, which is higher than Yu 'ebao, and the principal is also guaranteed. Monthly income 10%, that is, 100 yuan.