There are several kinds of bank wealth management products: 1 national debt, 2 short-term trust wealth management, 3 bonds and funds of securities companies, and 4 bank insurance. Generally, the interest rate of national debt is higher than the fixed period, so you can't keep increasing to the value you want. One thing about trust short-term wealth management products is that the starting point is generally 50,000 yuan, 65,438+100,000 yuan, and not all products have it. When you pass this period, if there is no good product after the expiration, you will have to wait. We don't know much about securities funds. You can try bank insurance, 1, capital preservation, 2 fixed income, 3 dividends to fight inflation, and 4 guarantees.

For example, if you have 50 thousand unused funds now, you can diversify your investment in this way, that is, diversify your risks. Take out 10000 yuan for bank insurance every year, 20,000 yuan for time deposit, and 1000 yuan for fixed investment every month, and the rest for emergency.