Postal savings, as a state-owned bank, has always been regarded as synonymous with savings. Compared with other financial management methods, postal savings are extremely safe. Postal savings are endorsed by national credit, which has high capital stability and can ensure the property safety of customers. At the same time, the savings rate of postal savings is more generous than that of ordinary banks and money funds, which is a good choice for investors who want to preserve their value safely.

For investors who prefer high income, postal savings is a good choice for medium and long-term fixed investment plans, although its income is relatively low. There are many ways to manage postal savings, such as lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, and fixed term of one year. Among them, the fixed one-year interest rate is relatively high, which has achieved a good balance between interests and risks. Moreover, postal savings can also be used for cash management of monetary funds, and can be used as a stable asset in the overall portfolio to buffer portfolio fluctuations.

Although postal savings has the advantage of high security, investors should make full asset allocation to minimize investment risks. We can allocate some assets to safe financial management methods such as bank savings, national debt, and money funds, and then invest the remaining assets in high-risk investment products such as stocks, bonds, and gold. This can ensure the balance and security of the overall investment portfolio. For investors, the choice of wealth management products should be based on personal risk tolerance, asset size, time habits and other factors to ensure the safety and appropriate growth of assets.