Products with different risk levels. The risk of stock is high, and the probability of potential high returns is relatively high, provided that it can bear the risk of stock market fluctuation. Deposited in the bank can only enjoy a "fixed" relatively low expected return. So it depends on which product is more in line with your income target and risk preference. If you don't understand stocks, it is recommended to study more before going to the stock market.

You can pay attention to (small and medium-sized banks) smart deposits and enjoy deposit insurance protection (according to the Deposit Insurance Law, individuals can enjoy 100% compensation for ordinary deposits within 500,000 yuan in a single bank), and the "interest rate" is around 4%-5.5%, which has the advantages of high liquidity (early withdrawal) and higher interest rate than ordinary time deposits.

Specifically, you can search for "download link of Du Xiaoman Financial APP (formerly Baidu Finance)" or pay attention to "Du Xiaoman Technology Service Number (Du Xiaoman Financial Management)" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!