Ririsheng and Xinxin Xiangrong Model B are currently the two largest capital-guaranteed financial products in stock. These types of products are all capital-guaranteed financial products with agreed income levels. They mainly include Ririsheng, Xinxin Xiangrong Model A and

Type B has a medium yield, rising monthly, strong liquidity, and real-time redemptions on working days.

The starting point for Ririsheng subscription is NT$50,000, with increments of NT$1,000. Customers can purchase over the counter at Postal Savings Bank branches or through Postal Savings Bank online banking.

There is no fixed period. Subscription and redemption are open on every opening day, that is, the securities trading day. The expected annualized rate of return is 2.2%, and the redemption funds will be recorded in real time.

Ririsheng can truly deposit and withdraw money at any time, and you can receive it in your account on the same day.

Monthly Rising Series: It is a basic risk-free product and invests in rollable structured deposits.

The monthly interest rate is 2.2%. Wealth's "Monthly Rising" and "Daily Rising" series: It is a basic risk-free product, investing in treasury bonds, central bank bills, financial bonds, corporate bonds, interbank deposits, high-quality corporate trust financing plans, banks

Acceptance bills, repurchases, etc.

Wealth "Xinxin Xiangrong": The starting point for individual customer subscription is 50,000 yuan, which increases in integer multiples of 1,000 yuan.

On the day of subscription, the day of redemption, and the day of redemption confirmation, the average financial management income is calculated. The maximum expected annualized rate of return that customers can obtain is divided into the following categories, based on the actual number of days each financial management fund lasts when investors redeem it.

Xinxin Xiangrong deposit is 2.3% for one month and 1.7% for one day, but it will increase once the deposit time is long.

China Life, insurance, etc. do have advantages over fixed term insurance. The only disadvantage is that the deposit period is too long. For participating insurance, the principal can still be insured when the deposit matures, and the income is fixed dividends and fluctuates.

Dividends are risky.

Expanded information financial products are basically divided into two types: trust products, which invest in trust products guaranteed or repurchased by commercial banks or other financial institutions with higher credit ratings; and products that invest in trusts for the beneficiary rights of high-quality credit assets of commercial banks.

Linked type, the final yield of the product is linked to the performance of the relevant market or product, such as linked to the exchange rate, linked to interest rates, linked to international gold prices, linked to international crude oil prices, linked to the Dow Jones Index and Hong Kong stocks, etc.

QDII-type RMB financial products, to put it simply, mean that customers entrust their RMB funds to qualified commercial banks, and the qualified commercial banks will convert the RMB funds into U.S. dollars and invest directly overseas. After maturity, the U.S. dollar income and principal will be settled into

Wealth management products allocated to customers after RMB.

Electronic spot new investment and financial products.

Investment channels, financial products can generally be purchased through commercial banks or non-bank financial institutions.

Traditional channels include: banks, insurance companies, securities companies, futures companies, and fund companies.

Emerging channels include: third-party financial management institutions and comprehensive financial management service institutions.