1, the income is not fixed. Last year, all kinds of "babies" were above 7%, far exceeding the bank's 4.75% five-year time deposit, which is not the normal state of "babies" products. In fact, the short-term interest rate and the long-term interest rate are upside down, and the real interest rate has risen sharply. This situation can't last long, and eventually the real interest rate will return to a level suitable for the real economy.

2. Because "baby" products are mostly operated through the Internet platform, in addition to the benefits, safety is still the most important factor. Although it is simple to open accounts and transfer money for various "baby" products, it also brings risks.