In the era of economic turmoil, people are more eager to improve their asset value, and buying stocks and funds is risky, so those financial products with higher security have become hot items. After all, compared with the possibility of high returns on stocks, making money safely is the first priority.

What wealth management products are safer?

1' s money fund, the most typical ones are Yu 'ebao under Alipay, financial link in WeChat, and Yu Bao Li of online merchant bank, which belong to the money fund and are launched on a big platform, with very good security and basically no loss.

Bank deposits, including demand deposits, time deposits, certificates of deposit, etc. Even if the bank fails, it will compensate up to 500 thousand, not to mention the fact that it is impossible for a big bank to fail, so there is no possibility of losing money.

Treasury bonds, bonds issued by the state, have higher interest rates than bank deposits, are as safe as bank deposits, and can get good interest at maturity. The disadvantage is that national debt is not available every day, and it will be robbed every time it is issued.

4. Bank-guaranteed wealth management products, such as products with risk 1-2, are low-risk products, and there is basically no loss. It is recommended to buy this kind of bank wealth management products, because they cannot bear higher risks.

Although the reverse repurchase of government bonds is operated in the exchange, it is highly secure and supervised by the exchange. After maturity, the principal and interest will be paid automatically.

The income of money fund or bond fund is about 3%; The income of low-risk bank wealth management products is around 3.5%; The income of wealth management products of medium-risk banks is generally around 6%; The income of trust products is around 8%. Risk is directly proportional to income. If you don't want to take risks, then you shouldn't expect too high a profit. After all, personal ideas are different. Some people want to live a plain life, while others want to be bold and enterprising.