Financial management can preserve and appreciate the value of our funds. Nowadays, many people have joined the ranks of financial management. However, there are many products in the financial management market and the risks are also different. However, for the public, sound and safe financial management is more important, just like

As the questioner expected, if you want to know about lower-risk financial products, let’s talk about them today.

Perhaps the first thing that comes to mind when talking about low-risk products is bank products, because bank current, fixed-term, large-denomination certificates of deposit and other products are protected by deposit regulations. If the bank goes bankrupt, 100% compensation will be paid within 500,000, so the funds are safe

It is very guaranteed, but the returns on low-risk products are also low. Banks’ traditional deposit products have low returns and poor liquidity, so they are not very attractive to some people with different needs.

So besides that, what other low-risk products are there that can meet everyone’s needs?

1. Monetary Fund A currency fund is an open-end fund that gathers idle funds from society, is operated by a fund manager, and is kept by a fund custodian. It specializes in investing in money market instruments with low risks. It is different from other types of open-end funds and has high

Safety, high liquidity, and stable profitability.

You can subscribe and redeem at any time, which is very convenient. The starting investment is 0.01 yuan or 1 yuan. The current currency fund yield is around 3%, which is more suitable for individuals who need capital liquidity.

2. National debt National debt, also known as national public debt, is a creditor-debt relationship formed by raising funds from the society based on national credit and in accordance with the general principles of debt securities.

Since the issuer of treasury bonds is the state, they have the highest credibility and are recognized as the safest investment tools.

There are three types of treasury bonds, namely certificate-type treasury bonds, accounting-type treasury bonds and savings treasury bonds, all with a minimum investment of 100 yuan. The current three-year treasury bonds are 4%, and the five-year treasury bonds are 4.27%.

3. Large-denomination certificates of deposit. Large-denomination certificates of deposit of banks are also classified as bank deposits and are also protected by deposit insurance regulations. Even if the bank goes bankrupt, 100% compensation can be obtained within 500,000, and interest can be calculated on a "dependent basis", even if it is redeemed in advance.

You won’t lose all your profits and are relatively flexible.

The current two-year interest rate for a large certificate of deposit of RMB 200,000 is 3.19%, and the three-year interest rate is about 4.18%. Each bank has different income, so you can choose the most suitable bank for purchase.

4. Debt Fund Bonds are a kind of certificate of creditor's rights and debts. They are the same as treasury bonds. They also require everyone to repay the principal and pay interest as agreed within a specified period. However, treasury bonds are safer than corporate bonds.

Bonds have good liquidity and can be freely transferred in the market. Some bonds will also bring interest and dividend income to investors from time to time.

At the same time, investors can also use the buying and selling price of bonds to earn a profit, with a yield of about 5%.

Moreover, fund fixed investment is also a good investment method, suitable for medium and long-term investment in order to spread risks and dilute costs.

5. Internet platform financial management products. Many financial management platforms that meet the requirements have been successfully registered, and the security of the platforms and products can be guaranteed accordingly. You can choose products from large financial management platforms with peace of mind, because such products not only have higher returns, but are also liquid.

There are also many sexual options, making it suitable for public investment.

Take the latest regular financial management products for cash management launched by Du Xiaoman Financial Management Platform: (1) There are three regular financial management products called "Xinwang Suixin", with investment periods of 99 days, 199 days and 299 days.

The minimum investment is 50 yuan, and not only does the interest accrue on the same day, but you can also withdraw it in advance.

The most important thing is that if there is a capital loss in this product, 100% compensation can be obtained if the investment amount is within 500,000, and the safety of the capital is guaranteed.

(2) The regular "Bangbao 30-day" financial product has an investment period of 30 days, a starting investment amount of 100 yuan, and 100% repayment of principal and interest within 500,000 yuan. Not only can it be withdrawn in advance, but there is no fundraising period, and interest starts on the same day.

Finally, bank financial products are also a very good way to manage finances, and bank financial products are divided into 5 risk levels, with risks ranging from low to high, ranging from R1 to R5.

Therefore, when purchasing bank financial products, the public can choose financial products of R3 category and below.

However, the threshold for bank financial products is relatively high, starting at RMB 10,000, and the liquidity is poor. If you want to withdraw money in advance, you may lose profits.

Therefore, when choosing financial products, you still need to think carefully before making a decision, and purchase financial products with relatively reasonable returns, liquidity, and safety based on your own needs.