Most commercial insurance has a very high rate of return on timely financial management, but the advantage of deposit products is that they are guaranteed by deposit insurance standards and can be paid in full within 500 thousand. There are some regular wealth management products in Alipay wallet, which are usually net worth products of pension companies and brokers. The risk level is similar to that of Alipay Yu 'ebao, which belongs to low-risk financial management. The annualized interest rate is around 4%, which is 1.5% higher than Alipay Yu 'ebao. This regular wealth management product can be purchased through.
Investors should note that this product has a closed period. During the closed period, assets cannot be redeemed in advance. After maturity, the assets will be directly invested in. You can also choose to continue investing after maturity, just like the agreed transfer of personal deposits. Private savings. In such a portfolio, private deposits are mainly chosen to balance risks. The biggest concern of small and medium-sized banks is the safety factor. In fact, all formal banks do not guarantee the principal at this stage, according to the requirements of deposit insurance.
There is no reason to compensate within the interest range of more than 500 thousand, so don't worry about security risks. Compared with other financial institutions, the biggest feature of small and medium-sized banks is that there are almost no physical service outlets, and nine of them rely on Internet technology to absorb funds. This model has greatly improved the efficiency and convenience of young people's savings, and the annual interest rate is really high: 3.8% for current deposit goods, 4.5% for one-year goods, 5% for three-year goods and 5.3% for five-year goods, and most of them have put forward the highest interest rate level for savings products. I suggest that at least 20,000 of the 60,000 commodities of this kind should be selected to ensure the basic living expenses.