Bank deposits are divided into demand deposits and time deposits. Deposit interest rate is generally low, and it can't even make up for the loss of its time value. The interest rate of time deposit is higher than that of demand deposit, and the low risk of bank financing is the choice of many conservative investors.

2. Financial products

Wealth management products include not only traditional bank wealth management products or internet wealth management products, but also funds, bonds, stocks and other investments in the current investment market.

You can choose one or several things to invest at the same time to spread the risk. Learning to allocate assets can get higher expected returns than deposit wealth management products, but it should be noted that such products have high expected returns and great natural risks, so choose carefully.

Step 3 invest in yourself

Investing in yourself is not to preserve and increase the value of investment funds, but to invest in improving your ability. If you have enough time and energy to invest in hobbies or skills, the value may be higher.

In fact, how to manage idle funds needs to be chosen according to personal needs. According to personal circumstances, such as risk tolerance, time and energy, it is best to choose the most suitable financial management method.

Tips: The above information is for reference only. If you have investment needs, Ping An Bank has launched a variety of wealth management products to meet the needs of investors. You can log in to Ping An Pocket Bank APP- Finance-Finance for details and purchase.

Reply time: 2022-0 1-26. Please refer to the latest business changes announced by Ping An Bank in official website.