1. Bank time deposits, with a minimum deposit of 50 yuan, are protected by the policy of deposit insurance regulations. Each bank will repay 100% of the limit within 500,000 yuan. It can be regarded as approximately no credit risk. You can choose an online direct sales bank from a private bank to earn income.

Relatively high.

2. Savings bonds, as long as they are held until maturity, the principal and interest returns are guaranteed, and the national credit guarantee can be regarded as free of market risk.

There are currently many electronic savings bonds, such as the recently issued one, with a 3-year term of 3.8%.

3. Funds and monetary funds currently have an annualized interest rate of 2% to 2.8%, which is similar to current financial management.

If you want to find low-risk products with high returns, it is recommended to choose top-ranked pure bonds or new funds. I have bought them myself, such as the new closed product Penghua Xingtai, and the experience is particularly good.

Of course, if you have a strong risk tolerance, you can also allocate index funds, such as CSI 500, etc., as well as various stock funds. When buying such funds, you can choose from funds managed by reliable fund managers.

The first place in the ranking of major financial products: Bank of China: Boyi Ruixuan 200170-Crude Oil 2008 contract end-of-term call spread type. The second place: Bank of China: Boyi Ruixuan 200169-Crude Oil 2008 contract end-of-term call spread type.

Third place: Bank of Guilin: Lijiang Financial Management's 2020-47 financial products (exclusive for new customers) Which Bank of Communications financial product ranks first, and a ranking is made based on revenue for your reference: First place: "Get

"Liberty·CSI 300 Linked" series of RMB financial products is a non-guaranteed floating income Bank of Communications financial product with an investment period of only 34 days, a starting investment amount of 50,000 yuan, and an expected annualized rate of return of up to 6.75%.

Second place: Delibao Gold-linked 34-day structured RMB financial product "Delibao Gold-linked 34-day" is a non-guaranteed floating income type with an investment period of only 34 days and a starting investment amount of 50,000 yuan. The expected annualized

The yield is 6.0%.

Third place: Delibao gold-linked 34-day structured RMB financial product. Its investment period, yield, starting investment amount, and product type are all the same as "2461150044", which are 34 days, 50,000 yuan, and 6.0% respectively.

Fourth place: Wen Tianli Xinke Exclusive "Wen Tianli Xinke Exclusive" is a capital-guaranteed fixed income product with an investment period of 98 days, a starting investment amount of 50,000 yuan, and an expected annualized rate of return of 4.4%.

.

Fifth place: "Delibao·Wentianli" RMB financial product This financial product has a relatively long investment period of 189 days, but its income is lower than the first four products, only 3.04%.

It is a capital-guaranteed fixed-income product with a starting investment amount of 50,000 yuan.

Bank of Communications' top-ranked financial product has a yield of 6.75%, followed closely by Delibao's gold-linked 34-day structured RMB financial product 2461150044, with an expected annualized yield of 6.0%, while ordinary financial products

The yield is about 3%.