Bank deposit is a relatively safe investment method. Only your money is in a bank account within 500,000 yuan. Even if the bank goes bankrupt, your money can't run away, but its interest rate is so high, 3%~4%. Even if you have more than 4% certificates of deposit, it's not much. Now it seems that some banks have launched a large deposit certificate business of more than 654.38 million yuan, which is almost 0% higher than the deposit interest rate of ordinary banks.
If you buy a money fund, its return on investment will be higher, but it will not be much higher than bank deposits. It is good to reach about 4.5%. If he tells you that the return on investment is above 8%, or even 10%, you should consider whether he is cheating, because even professional financial managers in banks dare not say that they spend much money. The annual rate of return can be guaranteed to be around 10%, so the family you invest in should charge a certain profit margin. It is impossible to give you all the profits, so don't expect too much from him.
This kind of money fund is a common balance treasure on Alipay. This should be regarded as a money fund. When it was first introduced, the level was relatively high, but now it's not working. At first, it should be 65438+100000 a day, which is similar to the bank deposit interest rate. And it's open, so you can put it in and take it out at any time. If you are a closed-end money fund, it is estimated that the interest rate will be higher than this.