Because it is safer and less risky to deposit money regularly than to buy wealth management products. 1. Advantages and disadvantages of keeping money in the bank regularly.

Many people should know about time deposits, and now there are still many people who put their money on time deposits to make their Qian Shengqian. I have to say that this method is still very good when there are a lot of deposits. For example, I grew up alone, and I have more than one million deposits at home, with thousands of dollars in interest every month. I don't have to do anything, so I can meet my basic needs just by interest. However, compared with wealth management products, the bank's time deposits also have some shortcomings. For example, when you have less deposits, you will bring little income on a regular basis, or if you are in a hurry to use money and withdraw it in advance, it will become a current account on a regular basis, which will be a loss. 2. Good or bad wealth management products.

compared with the bank's time deposit, the income of wealth management products is much better. Take the liquor fund as an example. If you start from the lowest point of liquor in February 22, it will be no problem for your fund to rise by 2 or 3 points by 221. Compared with the bank's time deposit, the yield is much higher, but compared with the bank's time deposit, the biggest drawback of wealth management products is high risk, unlike. 3. What kind of financial management method you choose varies from person to person.

Only everyone has different risk tolerance. Some people are radical investors, who only pursue high returns and are willing to take big risks. Of course, some people hate risks and can't take any risks at all. Therefore, their deposit philosophy is to consider returns on the basis of capital security. The elderly have a weak ability to bear risks. The money in their hands is their life savings. They have no ability to identify risks, nor can they judge which financial products are safe and which are unsafe. They can't afford a little risk loss, so choosing bank deposit is their only choice. Summary:

Whether you want to deposit money in a bank or buy wealth management products, you should decide according to your actual situation. After all, investment is risky.