At present, there are many kinds of personal investment and wealth management products, including baby money funds, certificates of deposit, smart deposits, government bonds, funds, gold, trusts, insurance securities and wealth management. Different products have different investment starting points and corresponding risk levels, so you need to choose products that suit your risk preference, target income and liquidity preference. For example, safer products include money funds, certificates of deposit, and smart deposits. , but its return is relatively low, while equity funds are risky, but the probability of obtaining excess returns is also high.

At present, the "most reliable" financial products can choose "bank deposit" products, and according to the deposit insurance guarantee system, the payment will be made within 50W 100%. Of course, "saving" does not mean going to the bank directly for life, or on a regular basis. You can pay attention to smart deposit products or large deposit certificates issued by small and medium-sized banks, and the yield can be around 4%.

At present, there are some products on the platform of Duxiaoman Wealth Management APP (formerly Baidu Wealth Management), including demand and fixed bank deposits. For example, the demand product "Sanxiang Bank Demand" can be withdrawn in advance, with a yield of about 3.8%. It can be withdrawn at any time, with interest on the same day, holidays are not limited, and it can be withdrawn on any natural day, and it can be received in real time on the same day, with no trading day limit and no limit, within 500,000 yuan1. For example, the term bank wealth management product "Revitalizing Smart Deposit" has an annualized rate of return of about 4.8%, which belongs to a bank deposit product and pays 65,438+000% within 500,000 yuan, which is suitable for stable and above investors. Investment is risky, and financial management needs to be cautious!