1. Yu 'ebao is similar to a baby: Yu 'ebao's fund company is Tianhong Fund, which was established in 24. In fact, it has always been a small fund company in the market. In terms of income, it is basically not ranked in the top few. In the past two years, the domestic monetary funds with the best returns were Wanjia Currency (the first in recent years) and Southern Currency (the second in ten thousand years). In recent years, the bank is a baby's rise, and the products like Yu 'ebao, represented by CITIC and China Merchants, have both the daily income of Yu 'ebao and the properties of cash withdrawal and consumption at any time of bank cards, and this kind of baby puts the raised funds into the bank first, so it can also get slightly higher income than the third-party fund companies, and it is also a very competitive category.

2. Universal insurance, investment-linked insurance: As a new financial management category, insurance is worth re-examining. Why? Good investment-linked insurance, the yield of universal insurance is usually between 5-7%, which is higher than that of Yu 'ebao, and the insurance company also has the invisible rigid redemption property (too big to fail). But this does not mean that you can buy an insurance wealth management product. Usually, what you buy back is a scam. I have a sister friend who works as a receptionist in an insurance company. The most important part of his daily work is to deal with complaints, among which he was fooled into buying insurance at the bank and found that the products were mostly inconsistent afterwards. Here I give my personal recommendation: Netease financial income insurance, fixed life insurance. Based on the credit of Netease and Everbright Life Insurance, the products with the income of 6.%-6.6% are very competitive. The better of the two products is the income guarantee, which can be redeemed every half month to ensure liquidity. Unfortunately, it has not been sold for a long time.

3. convertible bond fund: the advantages of convertible bonds are extremely simple, with a guarantee at the bottom and no cap at the top. Bear-market bonds, the two ways of making money by exchanging stocks in bull market, make it very difficult for convertible bonds to lose money. However, the oldest convertible bond in China, Jinxingquan Convertible Bonds, has been established for more than 1 years with a cumulative yield of 382% and an annual compound interest of about 15%, which is very stable and can be said to be an excellent option for long-term investors. Note: This answer recommends convertible bonds funds, not directly underlying convertible bonds, and recommends long-term holding. As the underlying convertible bonds, people who don't have enough investment experience and non-market professionals should not touch them.

4. Trust: Trust usually needs 1 million to start (I think there are products worth buying after 5,). Although it has a higher rate of return (8-13%) than ordinary wealth management products, the threshold is quite unattainable. Is there any way for ordinary people to buy it? In fact, there is, but it needs to be flexible. This year, noah wealth has newly launched a product, Worker Bao, the essence of which is to split some trusts and give individual investors a low-threshold opportunity to enter. Of course, the intermediate income has also been reduced, but there is still about 7.5%-8.8% income, which is better than most wealth management products. Sometimes, some very good target products are released, which are imaginative although not guaranteed.

5. Online loans to enterprises guaranteed by institutions: I don't know if this statement is rigorous, but I classify lufax's business as this. Lufax's greatest advantage is that he has a good father. Ping An's guarantee is equivalent to a super endorsement, which directly reduces the risk of risky loans to enterprises to almost rigid payment. However, all the hidden potholes in Lu Jin are the way it earns interest, with an apparent 8.4% income. Because the repayment method is to repay the principal and interest together, some principal is repaid in each period, resulting in some interest that cannot be collected. In fact, the whole process is less than 7% after taking the operation of returning money and continuing to invest. When there is no baby in lufax, I once lamented that this is selling dog meat by hanging sheep's head. Of course, lufax is still a good choice. There is also a similar one, which is also recommended by me. It is E, a small enterprise of China Merchants Bank. Although there is no strong guarantee from lufax, it has the bank's review and risk control, and it has a good qualification to pass the review. The most important thing is that its principal and interest are returned in full and in one lump sum, at least the interest is what you see is what you get.

6. Specific P2P project: Is P2P risk high? Compared with most products on the market, it must be high, but as the predecessor of the industry, private lending for so many years, default events do not seem to be seen every day. Therefore, I appreciate another friend in Zhihu who made a P2P loan and invested in it by covering the risks with the thinking of junk debt. However, we still have a grounded answer for ordinary investors today, which is the U plan for everyone's loan. According to the length of time, the income is 7%-11%, the risk control is stricter than that of ordinary bidding, and it is almost guaranteed by platform credit, with a custodian and higher income, which can be said to be a few good products in P2P. Note: P2P is a high-risk investment under any circumstances, so don't invest too much.

7. reverse repurchase of government bonds and corporate bonds. This is the best place for ultra-short-term funds. If someone lends you 1 billion yuan today, but you are only allowed to stay in your account for one day and pay back the money the next day, then the reverse repurchase gives you the opportunity to get the maximum profit in a single day, even if Yu 'ebao can't take it as an example. The characteristics of the rotation of funds on that day make the reverse repurchase extremely mobile (this example is somewhat idealistic, and the money needs to be taken to the bank card in practice, so I apologize for being thoughtless). In addition, because the interest rate fluctuates in the same day as the market interest rate, although the return rate of reverse repurchase is not as good as other products (slightly lower or higher than that of Yu 'ebao products) in most cases, there will be some short-term gains that far exceed other products at special events (such as money shortage) and special time points (the end of half a year and the end of the year), so reverse repurchase is a good supplementary category of financial management.

finally, a cliche: financial management is risky, so you need to be cautious in investing.