To ask what kind of wealth management products have high returns and are safe, American financial tycoon Soros once replied that "investment itself is not risky, and only out-of-control investment is risky". In other words, the biggest risk of investment is that the products you buy are beyond your subconscious needs, unfamiliar, unfamiliar (dry goods come, code words are not easy, you are weak and ask the officials to give you a compliment first, kneel down and thank you)

Alas, our domestic family financial management concept is relatively safe, and we prefer to buy "fixed income products", that is, "fixed term products". There are two most common types of this product:

The first is bank wealth management products.

The income of bank wealth management products is usually 4-5% higher than that of Yu 'ebao, which is generally safer. Most bank wealth management products are used to make some low-risk investments. The risk control ability of banks is very strong. Zheng Shan, an institution that can borrow money from banks, is not bad in credit and strength. With collateral, it is less likely to have problems. Even if there is a problem, you can use the collateral to sell and pay off debts, which rarely makes users lose money.

Considering the five indicators of distribution ability, profitability, product research and development ability, management ability and standardization of information disclosure, we recommend the products of "Everbright Financial Management".

According to the ranking of 279 banks' financial management ability in the second quarter of 2022 published by Puyi Standard, Everbright's financial management performance is excellent, and its product "Sunshine Gold 13M Fengli Phase 2" ranks second, and its comprehensive financial management ability ranks among the top five in the industry.

In the first half of this year, the average annualized rate of return of Everbright Financial's "fixed income+"wealth management products was 4. 19%, while the average annualized rate of return of the market was only 3.82%. Since the establishment of the product, the annualized rate of return of "fixed income+"wealth management products of Everbright Finance is 4.44%, and the average annualized rate of return in the market is 4.30%. The two indicators of Everbright Financial Management outperformed the market average. Cong Dongge (the above data is as of June 30, 2022)

The second is online regular wealth management products.

Internet regular wealth management products are mainly fixed-income products sold by super-large Internet companies such as BAT, Alipay and WeChat. But BAT is just a channel. The products they sell are not produced by themselves, but may be fixed-income products of insurance companies, securities companies and fund companies.

To sum up, the overall income of bank wealth management products is about 4-5%, which is relatively safe, but before buying, you should ask whether your products have agreed income or floating income, and check the code of your products to avoid buying fake bank wealth management.

Finally, I wish everyone can buy high-yield and safe wealth management products and realize wealth management appreciation!