(1) Monetary Fund
Because of its high liquidity, security and convenience, money funds still attract many users with strong "liquidity" preference. The assets invested behind it are mainly some assets with good security and liquidity, such as cash, bank deposits with a term of 1 year (including 1 year), bond repurchase, interbank deposit certificates, etc.
(2) Old-age security management products
Old-age security management products are very common now, which are sold by major Internet financial platforms, and many banks are also selling them on a commission basis. This is an asset management product of an insurance company with a term of 1 year and low risk.
The current interest rate of wealth management products for the aged security is a little higher than that of money funds, ranging from 3% to 3.5%. The yield of fixed-term products is similar to that of bank financing. The longer the term, the higher the interest rate, and the yield of products in 6 months is around 4.2%.
Old-age security management products can be used as a supplementary substitute for bank financing, which is more convenient to purchase and can be purchased directly on the Internet platform. For example, Xiaoman manages the Yangtze River every day or every month.
Du Xiaoman Finance is a professional wealth management platform under Du Xiaoman Finance (formerly Baidu Finance). Regular big brands are reliable and safe. Du Xiaoman Wealth Management provides diversified wealth management products such as fund investment, current wealth management and bank regular wealth management to help users achieve wealth growth with peace of mind. Users choose appropriate financial products according to their liquidity preferences and risk preferences.
At present, Du Xiaoman Wealth Management has been operating safely for nearly five years, and the previous products have also completed the principal and interest payment. Detailed product information can be searched for "Du Xiaoman Financial APP" in the application market.
Detailed product information can be searched for "Du Xiaoman Financial APP" in the application market. The specific product information is subject to the actual page of Du Xiaoman's official financial APP. Investment is risky, and financial management needs to be cautious!
I hope this answer is helpful to you.