1. Monetary Fund: Monetary Fund is a short-term financial product with low risk and low income. Usually, the investment period is 1 to 3 months, and some of them can even be redeemed at T+0. Monetary funds mainly invest in short-term, high-credit bonds and bills. Compared with other wealth management products, money funds are less volatile and more liquid.
2. Short-term time deposits: Short-term time deposits usually have an investment period of 65,438+0 months to 65,438+0 years, with relatively low returns and low risks. If you need to ensure the safety and liquidity of funds in a short time, short-term time deposits may be a good choice.
3. Bank wealth management products: Bank wealth management products can also be short-term wealth management products. According to different product types, the benefits and risks are different. When choosing bank wealth management products, we need to pay attention to the risk rating, expected rate of return, investment period and redemption rules of the products in order to make appropriate investment decisions.
It should be noted that although the risk of short-term financial management is low, the income is relatively low. If the investment period is long and the risk tolerance is high, you can consider choosing long-term wealth management products to obtain higher returns. No matter which financial product you choose, you need to choose the right product according to your risk tolerance and investment purpose.