In view of the three key words "65438+100000", "spare money" and "safety", we suggest mainly considering low-risk and stable financial products.

Because of its security, liquidity and convenience, money fund has always been the first choice for most stable investors. However, since 20 18, the "attraction" of baby products has disappeared. On the one hand, the yield of the money fund is gradually declining, and the seven-day annualized rate of return is only about 2.7%; On the other hand, the quick redemption quota of a single money fund of 1 10,000 yuan per day has also greatly weakened its "liquidity" advantage.

Compared with the "downward trend" of the money fund's yield, the fixed and flexible "deposit" wealth management products of "banks" have flourished, especially after some small and medium-sized banks and Internet platforms joined hands to launch some "stable" wealth management products that other investors like very much. For example, "Baixinzhi Huicun" on our Xiaoman wealth management platform is a current "deposit" product in baixin bank, with a net income of about 4. 1%, which is low in risk, enjoys the same deposit insurance system as deposits, pays 100% within 500,000 yuan, can be accessed at any time, and bears interest immediately on the day of purchase, regardless of holidays; It can also be withdrawn on any natural day, and it will arrive in real time on the same day, with no trading day limit and no limit.

Of course, there are also some "regular" bank wealth management products, which users can flexibly configure according to their own needs for liquidity and thresholds. At present, the expected annualized income level of bank wealth management products with medium and low risk for more than one year is about 4.5%-4.8%. If they are "deposit" products, they will also enjoy 100% deposit insurance protection within 500,000 yuan. There is also a certificate of fixed income issued by brokers, which is also a good choice. Most products have a threshold of 50,000 yuan, and the income may be more advantageous than bank financing, but the safety is higher than that of "deposit" products.

Therefore, if the subject has 654.38+million spare cash on hand, half of the spare cash can be used to buy the bank's current wealth management products to maintain a certain liquidity, and part of it can be used to buy regular products, and the income can be slightly higher. If it is a deposit product purchased by the same bank, you can enjoy 100% compensation within 500,000 yuan. Interested users can visit Xiaoman Finance (APP) for details.