Certificate of deposit refers to the (electronic) book-entry deposit certificate (no paper certificate) issued by commercial banks for individual investors. With the savings card as the medium, it belongs to personal deposit and enjoys deposit insurance protection, that is, within 500,000 yuan 100% payment. The threshold (quota) for purchasing certificates of deposit is relatively high, generally requiring 200,000 or 300,000, and the interest rate will rise sharply compared with ordinary deposits, with the interest rate around 3.5%-4%.

Bank wealth management: According to the requirements of the new asset management regulations, wealth management products, including bank wealth management products, cannot promise to protect capital and interest. Of course, not promising to protect capital and interest does not mean that wealth management products are "risky", nor does it mean that bank wealth management is unreliable or "risky", mainly depending on the risk level of assets invested behind the products. Under normal circumstances, it cannot be redeemed in advance.

Monetary Fund: At present, the yield has fallen below 2.5%, and its security and liquidity are relatively high. According to the regulatory requirements, the daily "quick redemption" amount of a single money fund is RMB 6,543.8+0,000, that is, the redemption within RMB 6,543.8+0,000 can be received in real time. With the decline in the yield of money funds and the limit of quick redemption of 6,543,800 yuan, it is suitable for the allocation of small funds.