This idea is naturally reasonable, but whether you have investment experience is very important. Most of our own deposits are commodities with the lowest risk, and there is no damage. The principal risk exists, as well as the social insurance system for deposits. The down payment of less than 500,000 yuan shall be paid in full. Therefore, although the deposit interest rate is relatively low, it is very safe and suitable for some groups with no experience in project investment and financial management.
You can also choose low-risk goods. For example, the wealth management bank mentioned in the question manages money on time, and the income level is higher than the bank's regular savings. It is medium and low risk, and most of it is the income that can protect the capital and interest. It's just that the current wealth management products are all net worth, which can't guarantee the bottom line of service commitment. But basically these products can guarantee real interest, so choosing such a financial management method is more suitable for some junior and intermediate financial investors.
In fact, this year's stock fund sales market is not very ideal. Under the premise of pursuing perfection and high risk, it is very important for you to bear the risk of capital loss yourself, although we also have higher returns. If you don't care about your own cost loss, the psychological pressure is completely tolerable.