With the continuous improvement of people's financial awareness, people have more choices in the financial market. There are many kinds of financial products, among which demand financing is an investment financing and a popular financing method. At present, wealth management products are favored by most investors because of their flexible operation and higher yield than banks. Many investors choose current accounts. You can transfer money at any time to obtain income through daily calculation, or you can transfer money at any time to withdraw cash. Pipelines of this nature are collectively called demand-oriented financial products. Its characteristics are high liquidity, higher income than bank deposits, and flexible and simple operation.

Money fund is an open-end fund that collects idle funds from the society, is operated by the fund manager and kept by the fund custodian. Invest in low-risk money market instruments. Mainly open-end funds, with high security, high liquidity, stable profitability and? Quasi-savings? The characteristics of. Most money funds are T+ 1 redeemed and have strong liquidity. Monetary fund. Internet baby financial products such as Yu 'ebao are essentially money funds. The most direct way to buy funds is to buy fund shares directly from the website of fund companies or third-party websites. Money funds are purchased, but the platform is different. It should be noted that an IMF may have different letters, some are A and some are B. Generally speaking, this letter is the classification of the IMF subscription threshold. A fund representative has a lower threshold but a higher fee. B stands for high threshold and low cost.

To put it simply, securities brokers' collective wealth management products are the wealth management services that securities brokers accept the entrustment of investors and invest their funds in financial products such as stocks and bonds. Risk and return are between savings and stock investment. Securities companies are the initiators and operators of such financial products. These wealth management products are mainly used by securities brokerage companies to operate idle funds after daily trading of stock investors' securities accounts, so as to improve the income of idle funds. It can be subscribed and redeemed within 24 hours, which has no impact on securities investment and operation. The yield is about 2.8%, and the initial investment is 50,000 yuan.

All kinds of baby financing, such as the balance treasure of Alibaba Group, the living treasure of Tian Tian Fund, cash treasure of Huitianfu Fund and Tencent's financing. These current bank treasures have the characteristics of low threshold, high yield, strong flexibility and simple operation, and are excellent circulation products. These are common financial products on the market at present. I suggest that when you choose this kind of products, don't ignore the potential risks behind them. Investors should be careful. The current account bank has relatively low income and low risk, but don't think that the current account bank is safe. High interest rates will always coexist with risks.