1, Yu 'ebao: large scale and easy to use. Yu 'ebao is the most familiar financial management tool and the largest monetary fund. Yu 'ebao has been widely loved by users since its launch, and the number of users has exceeded 300 million. Starting price 1 yuan, which can be accessed at any time. It can be used for consumption and credit card repayment, which is very convenient and has relatively low risk. At present, the income is 3.78%, which is lower in baby products.
2. Tencent Wealth Management: rich products and convenient access. Licaitong is a financial platform owned by Tencent, which can transfer WeChat change to obtain income. On 20 17, Tencent launched the "change pass". At present, the yields of the four money funds with change are all higher than 4%. Small change financing is similar to Yu 'ebao. The monetary fund connected with it is southern fund Cash Connect E, with an annual income of 4. 1 18% in the last seven days, which is higher than Yu 'ebao. At present, the money fund of Licaitong can also pay back the credit card. Comments: Rich in goods, you can buy them directly with WeChat change, which is convenient to access. 8.3. Jingdong Finance: High income. Jingdong Xiaojinku is a current wealth management product launched by Jingdong Finance. Deposit is taken immediately, and the investment is 1 yuan. It is a current account, which can be used for financial management and consumption, and the assets can be used for shopping mall consumption. In the last seven days, the annualized interest rate is 4.663%, so you can buy regular financial management directly from Jingdong Small Treasury. Recently, JD.COM launched a "Bank Plus" product, with an initial investment in 50 yuan, which can be deposited and withdrawn at any time at the same day, with an annual income of 4.7%. Provided by Chongqing Fumin Bank, with bank time deposit as the basic asset to ensure the safety of users' principal, it can be regarded as a demand product with high cost performance.
4. Baidu Wealth Management: The products are rich and cannot be used for payment. Baidu Finance is a professional wealth management platform under Baidu Finance. The current wealth management products are connected with the money fund, with an investment of 1 yuan and a return of T+ 1. The specific interest calculation rules are the same as Yu 'ebao, and can be used at any time. At present, the two products displayed on the website, Baiying Rolling Profit Edition and Baiying, have a revenue of about 4%. Generally speaking, Baidu Wealth Management's current wealth management income is higher than that of Yu 'ebao, and it cannot be directly used for shopping and payment like Yu 'ebao.
5.lufax: There are many kinds of flat products. Lufax, a platform of Ping An Group, was launched on 20 1 1, which is the choice of many novices who have just entered P2P online lending. Now lufax is positioned as an all-round wealth management platform, including demand deposit, fixed deposit, online loan and fund. Demand-oriented products are connected to the money fund, just like Yu 'ebao, and the income is around 4%. Jin Lu Service is an online loan platform owned by lufax, with a term of 1 year of about 5% and 36 months of 8.4%. The term is relatively long, suitable for investors with abundant funds. Novice registration will send111investment vouchers, and a certain amount will be used for a single investment. Comments: There are many kinds of products, and online loan products have a long term.
6. Pleasant loan: Pleasant loan is a person-to-person lending service platform launched by CreditEase on 20 12. Backed by Yixin, I don't care about any external factors. I have always kept a low profile, and my strength is in front of everyone. The transfer and withdrawal efficiency is really high, and the service attitude is even worse!
7. Auction and loan: The earliest P2P platform in China is almost known to everyone, because it is the earliest established, with the first reputation, the first transaction volume and the first media report. Moreover, the outstanding performance of innovation ability and uncomplicated investment and loan is unmatched by other platforms. The only shortcoming is the overdue rate, but this is not an important factor that hinders its progress. What are the safe p2p financial management? There are lufax, Hongling Venture Capital, Pleasant Loan, Auction Loan, etc. It is suggested that the mental outlook of the platform operation team, the professional level of the management team and the loan business information must be comprehensively investigated before investing.