What are the wealth management products with high safety interest?
1 national debt: strong security, high profitability and poor liquidity.
National debt is a bond issued with national credit, so its security is extremely guaranteed, even higher than deposits.
We refer to the first issue of the 3-year electronic savings bonds in 2022. Its annual coupon rate is 3.35%, which is higher than 3-year fixed deposit, but lower than 3-year large deposit.
Because the national debt is due to repay the principal and interest, the liquidity is relatively poor.
2 reverse repurchase of government bonds: strong security, good profitability and good liquidity.
In short, the reverse repurchase of government bonds means that institutions take out a large number of government bonds as collateral and borrow money from investors to achieve the purpose of borrowing money. We investors can get some interest after the loan is completed. If the institution defaults, then we can get the national debt mortgaged by it, but this situation is rare and safe.
The interest rate of reverse repurchase of national debt is constantly changing, with high and low, but overall, the income is still good. And at present, whether in Shanghai or Shenzhen, the threshold has been reduced to 65,438+0,000 yuan, which is more suitable for us to invest and manage money with spare money.
There are many options for reverse repurchase of government bonds, and the shortest one is one day, so the liquidity is also very good. The following is the annualized rate of return for a certain day. Because its data is constantly changing, the following contents are for reference only. When it is high, it often exceeds 2 or even 3.
(Reverse repurchase of government bonds)
Monetary fund: strong security, average profitability and good liquidity.
Money funds mainly invest in money market instruments, which are safe and have high short-term liquidity. Money market instruments simply include deposits, short-term bonds with maturities less than 1 year, large negotiable certificates of deposit, commercial promissory notes, bank acceptance bills and so on. These investment targets are highly secure, so don't worry too much about risks.
The income of the money fund used to be very high, but in recent years, the income has been declining, especially the money fund products such as Yu 'ebao and Bitong. However, many banks have launched similar products, and the income is higher than these two, and the overall income is still good.
Money funds can be said to be the most flexible investment products, and some are T+ 1 fund products, that is, they will be redeemed the next day. Some money funds can even be used at will, such as Yu 'ebao and Coin Pass.
4 bond funds: general security, good profitability and good liquidity.
As a whole, bonds are relatively safe investment products, and the main risk of bond funds is the risk of default. Therefore, it is recommended that you choose those that have been established for a long time, preferably for more than 3-5 years, because the debt base pays more attention to stability, depending on the rating.
Generally speaking, the income is higher than that of the money fund, but the corresponding risks will be relatively higher.
Liquidity mainly depends on the holding days of the fund and the redemption rules. Some funds must be held for 7 days or more. This is a short-term debt fund, but also a medium-and long-term bond fund. Redemption rules we mainly look at the redemption rate, which is related to our holding days.
Interbank deposit certificate index fund: strong security, good profitability and good liquidity.
More than 80% of the index funds of interbank deposit certificates are invested in interbank deposit certificates, and the remaining 20% can be invested in financial bonds and other AAA-rated credit bonds. Interbank certificates of deposit have the advantages of good liquidity and low credit risk. Because it is issued for institutional investors, ordinary investors can't buy it, so we can invest through index funds of interbank deposit certificates.
Its income is similar to that of short-term debt funds, but its investment risk is smaller than that of short-term debt funds through maximum retracement, but slightly larger than that of money funds.
Because most index funds of interbank certificates of deposit have a holding period of 7 days, they can only be redeemed after buying for at least 7 days, and the redemption funds generally arrive in T+2 days, so the overall liquidity is Monetary Fund >; Short-term debt fund > interbank deposit certificate index fund.