Speaking of current financial management, will you think of Yu 'ebao? However, there is more than one balance treasure in financial management now, and the expected income of most products is higher than that of balance treasure. Here are three types of current wealth management products, hoping to help everyone.

First, cargo-based baby

Yu 'ebao is a typical cargo-based baby. Compared with the money fund, the goods-based baby is more flexible. Support for quick redemption, fund withdrawal can be received in real time, while the money fund will not be received until the next day or the third day. Typical goods-based babies include Yu 'ebao, Yu Bao Li, WeChat Bitong, and Jingdong Small Treasury.

In terms of expected return, the annualized expected return rate of cargo-based babies is around to. Yu' ebao has the lowest expected income, and Jingdong Xiaojinku pocket money account has the highest expected income. The expected rate of return of most cargo-based babies is below 3%, which is relatively small.

Second, pension financing.

Some wealth management products of pension insurance companies have flexible terms and can be taken out at any time, T+ 1 day. The typical representative is Ping An Pension Fu Ying No.5 on WeChat Wealth Management, which can be taken out at any time on the seventh day, T+ 1; There is also a good new year's goods of China Life Insurance, which can be taken out at any time on the seventh day of the seventh month, and T+ 1 arrives.

Third, innovative deposits.

Typical representatives are Fumin Bao and Zhongbangbao. Jingdong Finance has many such bank wealth management products, most of which are deposit products of private banks. Its underlying assets are time deposits, which users can withdraw in advance, and banks can transfer the expected income right of time deposits, so that users can also obtain high expected income by withdrawing in advance (traditional time deposits only calculate current interest).

The innovative deposit with the highest expected rate of return is billion yuan deposit of Yilian Bank, and the expected rate of return is as high as Xiaomi Finance and Yilian Bank app. Jingdong Finance has a large number of similar products, and the expected current rate of return is generally above 4%.

The above is the relevant content of "What are the current financial management". I hope it will help investors. The safety of the above types of current financial management can be assured, and innovative deposits have the highest expected returns, so investors can consider them appropriately!