Fixed-term treasure is a short-term financial management tool launched by Tian Tian Fund Network for different liquidity needs of investors. Deposit in fixed-term treasure (that is, buy short-term financial funds with different maturities) can get higher returns than bank deposits in the same period. Galaxy data shows that the 7-day annualized rate of return of most wealth management funds is higher than the one-year time deposit rate.

In view of its risk problem, the insiders position it this way. In order to control its risk, the financial funds behind it have very strict requirements on the selection of varieties. To restrict investors from investing in A shares and convertible bonds, they can only choose central bank bills, short-term financing bonds and agreed deposits within 397 days. These projects have relatively short term and high safety performance. Compared with other similar funds, it is relatively safe. In addition, this wealth management fund is transparent to the bank's wealth management products. Because this wealth management product is managed by funds, the yield and annualized rate of return will be announced before the 7th, so that users can truly see the rolling trend of their own funds.