Judging from the income of wealth management products launched by various banks at present, the income of most products has reached about 6%, and it is no longer a problem for investors to buy 6% of high-yield bank wealth management products. As for the 20 14 wealth management products, which bank has high income, at present, the income of wealth management products of four banks has exceeded 6%. They are Zheshang Bank, Wenzhou Bank, Ping An Bank and Bank of Ningbo.

At present, among the wealth management products issued by Ping An Bank, the income of 23 products reached 6%, and the income of 4 products reached 6.4%. Bank of Ningbo wealth management products also have six kinds of income higher than 6%, of which the highest income also exceeds 6.4%; The average income of wealth management products of Wenzhou Bank is around 6.2%.

It is suggested to adopt the internationally popular dichotomy, that is, divide the money to be invested in wealth management into three parts: 1) buy investment wealth management products with an expected annualized rate of return of more than 20%; 2) Purchase trust investment and wealth management products with expected annualized rate of return 1 1.5%; 3) Purchase investment and wealth management products with guaranteed capital in the banking system. The advantage of doing so is that the risk brought by improper investment can be minimized on the premise of obtaining higher returns.