Bank time deposits are basically the benchmark interest rates implemented by large banks. The smaller the bank, the greater the fluctuation of interest rate, with the highest fluctuation of about 2%.
The bank's wealth management products are not capital preservation, but exchange. In other words, you bought the wealth management products of the bank for three to five months or two or three years, and the bank told you that the wealth management products you bought were at a loss. When the funds were put in the bank for a period of time, not only did they not make any money, but they also lost some money, and the principal could not be fully recovered. I don't know if everyone will collapse in this situation. Now they may encounter this situation when they start buying wealth management products, so they must be cautious.
The p2p platform is currently being put on record. If it fails to pass filing, bankruptcy liquidation, or merger and reorganization, the platform will go bankrupt from time to time, with poor security.
Other investments, such as funds, stocks, etc., require professional knowledge and great uncertainty, so investment needs to be cautious.
The safer investment targets are monetary funds, such as 3 funds connected by Alipay and 4 funds connected by WeChat Currency Union, which have high security, investment income is much higher than one-year time deposits, and it is convenient to enter and exit. You can buy most of the funds into money funds, and use a small amount of funds for venture capital to obtain higher returns.