The fund company of Yu 'ebao is Tian Hong Fund, which was established in 2004. In fact, it has always been a small fund company in the market. In terms of income, it is basically not in the top few. In recent two years, the domestic monetary funds with the best returns are Wanjia Currency (the first in recent years) and Southern Currency (the second in ten thousand years). In recent years, banks are the rise of babies. Products such as Yu 'ebao, represented by CITIC and China Merchants, have both the daily income of Yu 'ebao and the property of bank cards to withdraw cash and consume at any time. Moreover, such babies put the raised funds into banks first, so they can also get slightly higher income than third-party fund companies, which is also a very competitive category.

Second, the national debt

Whether the national debt is safe or not, I believe many investors know its safety. Like bank deposits, its risk is basically zero and it belongs to low-risk wealth management products. National debt is based on the state, that is to say, it is issued by the state, and it is 100% safe to have a national guarantee. Bian Xiao suggested that investors who like to pursue long-term stable income can buy government bonds. The investment threshold of national debt is low, starting from 100 yuan; The investment period is long, generally three years and five years; Liquidity is relatively good, but it should be noted that early repayment will lose some interest income.

Third, bank wealth management products.

Bank wealth management products are traditional wealth management tools, which have the characteristics of high income and convenient operation. Although the scale of bank wealth management products has shrunk due to the impact of internet finance, bank wealth management products have always been considered as one of the best wealth management products at present.

Reasons why investors are keen: low risk, especially the products that banks promise to protect capital, usually get back the principal; It has a fixed investment period, usually ranging from 7 days to half a year, and redemption is not allowed in the middle; The rate of return is relatively low, and the general annualized rate of return is between 4.5 and 5.5%. Moreover, as the central bank cut interest rates, the income of bank wealth management products further declined. The investment threshold is low, generally starting from 50 thousand yuan; Bank wealth management products are generally suitable for investors who aim at short-term cash management and like stable income and fixed term.

Fourth, P2P financial management.

P2p online loan wealth management products have strong risk management and control ability and low risk due to fixed and high income. The average annual income is about 10%, which is three times higher than Yu 'ebao. Low investment threshold and good liquidity. If funds are needed, they can be redeemed in advance through the transfer of creditor's rights. However, since the industry is still in a period of rectification, if you want to invest in online loan financing, you must fully understand your actual situation and risk tolerance, and be extra cautious when choosing a P2P financial platform.