It depends on your investment habits. Bank wealth management friends suggest going to small joint-stock banks, which are generally 0.5% to 1 point higher than the four major banks. Pursuing high-yield stocks and futures, of course, is also more risky.

P2p financial management is good, but the management group and CreditEase are good, and the annual income can generally reach 10- 12%. CreditEase and Guanqun are both giants of offline private capital financing. Guanqun was established in 2009 and currently has 565,438+02 branches in China. Founded in 2006, CreditEase is also one of the most famous enterprises in the industry. The difference between them is that CreditEase takes the financial management route, including a series of financial products such as fund trust P2P, while Guanqun only does P2P, and 13 transformed P2B at the end of the year. As for financial management? In fact, they are all very reliable. CreditEase charges management fees for customer account funds, but Guanqun does not charge them at present. As far as P2P owned by the two companies is concerned, CreditEase's income is lower than that of Guanqun. I hope it helps you, my friend.