The expected return of bank demand deposits is relatively low, so many people choose to invest their money in cash management wealth management products, such as Yu 'ebao, which is one of the most common cash management wealth management products. This kind of wealth management products usually have the advantages of good liquidity, low risk and stable expected income, so they are very popular. So what are the cash management wealth management products?

What are the cash management financial products?

1, Fund Department

Since 1 yuan, the investment scope of money market funds is mainly money market instruments, such as bank time deposits and certificates of deposit. Can't invest in equity assets such as stocks and convertible bonds. Short-term financial bond funds, also known as short-term debt funds, have a short operating cycle, usually including 7 days, 14 days, 30 days, 60 days, 90 days, etc. The risk and expected rate of return of short-term debt funds are generally higher than those of money market funds.

2. Banking Department

Cash financing starts from RMB 65,438+0,000, including open products with no fixed term and closed ultra-short-term financing products. The former has no clear financial management period, so the purchase and redemption are more flexible, while the latter's investment period usually does not exceed 30 days, but it is impossible to purchase and redeem during the operation period. For example, Guangyin Cash A of China Everbright Bank and Tiantianying Zengli Series of Shanghai Pudong Development Bank all belong to bank cash management wealth management products.

3. Brokerage department

The initial purchase amount of cash management products of securities companies is relatively high, generally 50,000 yuan, which is mainly divided into two modes: asset management product transfer mode and cash quotation mode. The expected expected income is higher than the current interest of banks, and some securities companies also support small cash withdrawals.

4. Trust Department

The initial subscription amount of trust cash management wealth management products is the highest in all categories, generally 6.5438+0 million yuan, which is divided into open products with no fixed term and open products with fixed term, and the subscription time, threshold and investment are basically the same.

What are the above contents about cash management and wealth management products, I hope to help you. Warm reminder, financial management is risky and investment needs to be cautious.