In recent years, it has developed rapidly, mainly in the short term of 30 days-180 days, which can be divided into guaranteed income type, guaranteed income type and guaranteed income type. The general starting point is 50,000 yuan, and the starting point is relatively high. The expected rate of return is generally around 3%-5%, which is generally higher than one-year time deposit. However, there is no income during the fund raising period and liquidation period, and the fund occupation period is longer than the financial management period indicated by the bank, so the actual rate of return will be discounted, and the shorter the period, the more obvious it will be.

Recently, the China Banking Regulatory Commission issued Circular No.8 to regulate the chaotic bank wealth management products. It is predicted that the market of bank wealth management products will gradually cool down and the yield will also drop.

2. Financial funds (short-term debt funds)

Financial management fund is a great innovation of 20 12 fund industry, which has certain influence on bank financial management. This kind of fund has lower risk, higher than money market funds but lower than ordinary bond funds, and is a good substitute for bank wealth management products. Generally, there are 7 days, 14 days, 2 1 day, 30 days and 60 days. At present, the average yield is 3. The starting point of wealth management funds is low, starting from 1000 yuan, and starting from 100 yuan for some funds. Personally, I recommend products such as "Southern Financial Management for 60 Days", "Yifangda Monthly Earnings" and "Yifangda Monthly Earnings", and the income is better than that of bank financial products.

If you don't ignore the maturity date of the wealth management fund, it will automatically roll over, so that the wealth management can be truly "seamless" and there will be benefits on holidays.

3. Money market funds

It mainly invests in the money market, including agreement deposits and medium-high credit bonds with short maturities, with low risks. It is the best alternative tool for demand deposits and can be used as a fund pool for investment. 20 12 money market funds are constantly innovating. Huaxia, Jiashi, Yifangda, Nanfang, Huaan, Wanjia, Guangfa and many other fund companies can realize the "T+0 quick redemption" of official website direct money funds, which is very convenient and fast.

As a pool of funds, the rate of return is not the primary factor in the money market, but security is the primary factor. Therefore, the yield of the money fund will not be too much, but the average yield of the money fund in 20 12 years has reached 4%, which is much higher than the one-year time deposit. This year's income is still good.

4. Bond funds and equity funds

Risk is directly proportional to income, and such funds belong to investment varieties, not to low-risk financial management attributes.

The above content is handmade, I hope the landlord will adopt it!