Bank wealth management: According to the requirements of the new asset management regulations, wealth management products, including bank wealth management products, cannot promise to protect the principal and interest. Of course, not promising to protect capital and interest does not mean that wealth management products have great "risks", nor does it mean that bank wealth management is unreliable or risky, mainly depending on the risk level of products. At present, the expected rate of return of bank financing is about 4%, and the expected rate of return = principal * expected annualized rate of return =2*4%=8W.

money fund: at present, the yield has fallen below 2.5%, and its security and liquidity are relatively high. According to the regulatory requirements, the daily "quick redemption" amount of a single monetary fund is 1, yuan, that is, the redemption within 1, yuan can be received in real time. With the decline in the yield of the money fund and the limit of the quick redemption amount of 1 thousand yuan, it is suitable for the allocation of small funds. Expected income =2*2.5%=5W.

if it is a smart time deposit in a small or medium-sized bank, you can also enjoy the deposit insurance system, that is, you can pay 1% within 5, yuan (2 million yuan can be deposited in four banks), and the yield at maturity is about 5%, and the income =1W.

for specific bank smart time deposits, you can search for "download link of Duxiaoman Wealth Management APP (formerly Baidu Wealth Management)" or follow "Duxiaoman Science and Technology Service Number (duxiaomanlicai)" in the application market for detailed product information. Investment is risky, so be cautious in financial management!