Two, savings bonds, as long as they are held at maturity, the principal and interest income are guaranteed, and the national credit guarantee can be regarded as no market risk. At present, there are many electronic savings bonds, such as the recent issue, with a three-year period of 3.8%.
3. the income of funds and money funds is currently 2% ~ 2.8% annually, just like the current financial management. If you want to find low-risk and high-yield products, it is recommended to choose the top-ranked pure debt or play a new fund. I bought it myself, for example, playing a new closed product, Peng Huaxing Tai, and the experience was particularly good.
Of course, if you have a strong risk tolerance, you can also allocate index funds, such as CSI 500, and various stock funds, and buy such funds from funds managed by reliable fund managers.
The major wealth management products ranked first: Bank of China: Boyi Ruixuan 200 170- crude oil 2008 contract is bullish spread type at the end of the contract.
Second place: Bank of China: Boyi Ruixuan 200 169- Crude Oil 2008 contract with bullish spread at the end of the contract.
Third place: Guilin Bank: Lijiang Wealth Management 2020-47 wealth management products (exclusive to new customers)
Which bank of communications wealth management product ranks first among wealth management products, and make a ranking according to the income for your reference:
First place: "Delibao Shanghai and Shenzhen 300 Linked" series RMB wealth management products.
It is a non-guaranteed floating income product of Bank of Communications, with an investment period of only 34 days, an initial investment of 50,000 yuan and an expected annualized rate of return of 6.75%.
Second place: Delibao gold linked 34-day structured RMB wealth management products.
"Delibao Gold Linked to 34 Days" is a non-guaranteed floating income type, with an investment period of only 34 days, an initial investment of 50,000 yuan and an expected annualized rate of return of 6.0%.
Third place: Delibao gold linked 34-day structured RMB wealth management products.
Its investment period, yield, initial investment amount and product type are the same as "246 1 150044", which are 34 days, 50,000 yuan and 6.0% respectively.
Fourth place: new customers make steady profits.
"New customers earn steadily" is a product with guaranteed capital and fixed income. The investment period is 98 days, with an initial investment of 50,000 yuan and an expected annualized rate of return of 4.4%.
Fifth place: "Delibao steadily increases profits" RMB wealth management or wealth management products.
This wealth management product has a relatively long investment period of 189 days, but the income is lower than the first four products, only 3.04%. It is a product with guaranteed fixed income, with an initial investment of 50,000 yuan.
The yield of the first wealth management product of Bank of Communications reached 6.75%, followed by Delibao Gold-linked 34-day structured RMB wealth management product 246 1 150044. The expected annualized rate of return is 6.0%, while the yield of ordinary wealth management products is around 3%.