No.65438 +0: If the amount of funds is small (less than 50,000), it can be used as the balance treasure or the daily financial management of the bank. Generally, the annualized income is 4-5%, and the redemption is generally T+0 or T+ 1.
Second place: the amount of funds is not very large (10-300,000). It is recommended to be a short-term financial product of the bank. The yield is generally 5-7% and cannot be redeemed at any time. You must stay as many days as you buy. Redemption in advance, no income.
No.3: The amount of funds is relatively large (300- 1 10,000). The proposal is the private placement bond issued by the government, and the income is generally 7-8%, generally within one year.
Fourth place: the amount of funds is quite large (1 ten thousand-1 ten thousand). It is recommended to make trust and asset management products, and the income is generally 9- 1 1%, generally one to two years.
No.5: The amount of funds is very large (1over 100,000). It is recommended to invest in some creditor's rights markets (trust, asset management, funds, etc.). ) and some of the equity market (sunshine private equity, PE, etc. ), the former one to two years, the latter three to five years.
In short, any wealth management product is risky (including bank time deposits), which stage of risk tolerance, what kind of risk preference, and what kind of products to invest in.
PS: Regular banks are the worst means of investment and financial management. The financial market is mixed, please recognize the products clearly and don't listen to the one-sided words of the salesmen. Any product that mentions how much income is guaranteed must be deceptive.