1. The quarter-end and year-end time nodes of general bank wealth management products are the time periods with the highest yield, especially the semi-annual and annual nodes, which can be focused on. Because this period is the key node for banks to absorb deposits for quarterly assessment, in order to ensure loan-to-deposit ratio, banks will issue wealth management products with higher interest rates at these time points, namely the end of March, the end of June, the end of September and the end of 65438+February;

2. Fund stock financing will change with the fluctuation of the stock market, and you can choose to buy at the point where the market trend is lower;

3. Except for private placement and fixed income, trust wealth management products are basically project-based and have no fixed purchase period;

4. Short-term investment products, such as Yu 'ebao, are similar to fund products and are affected by fluctuations in the stock or money markets;