With the development and convenience of Internet financial management, bank deposits are gradually decreasing. Now banks not only introduce wealth management products to attract customers, but also innovate in deposits. For example, Jucaibao, a demand deposit of CCB, has been improved by combining the characteristics of demand deposit, time deposit and balance treasure.

The signing condition is that the daily deposit balance is not less than 1 10,000 yuan within 90 days after signing the contract.

Cumulative calculation method is adopted, which is similar to demand deposit, but RMB 6,543,800+0,000 is used as the frozen fund when funds are used flexibly.

In terms of interest, the one-year deposit rate of Jucaibao is 3.25%, which is much higher than the deposit rate of 0.35%.

From the risk point of view, Jucaibao is a deposit with guaranteed income, but it is also an investment product, and the risk is uncertain.

Then, a wealth management product like this has higher interest rate than the current period, considerable income, strong flexibility and the risk is equivalent to that of a baby money fund. Do you want to buy it?

If you have some spare time, you also have a stable income every month, such as a stable income, but your risk tolerance is not strong. It is suggested to invest in such products and freeze 1 ten thousand yuan.

Investment is risky and financial management needs to be cautious.