Time deposit: deposits enjoy the deposit insurance system, that is, within 500,000 yuan 100% payment. At present, the interest rate of three-year fixed deposits in banks is around 3.5% (small and medium-sized banks can be around 3.5% after the interest rate rises, and large banks generally implement the benchmark interest rate of 2.75%);

Bank wealth management: According to the requirements of the new asset management regulations, wealth management products, including bank wealth management products, cannot promise to protect capital and interest. Of course, not promising to protect capital and interest does not mean that wealth management products have great "risks", mainly depending on the risk level of the products. Under normal circumstances, it cannot be redeemed in advance, and the current yield is around 3.5%-4%.

You can also pay attention to the "smart bank deposits" of small and medium-sized banks and enjoy deposit insurance protection (according to the Deposit Insurance Law, individuals can enjoy 100% compensation for ordinary deposits within 500,000 yuan in a single bank), and the "interest rate" is around 4%-5.5%, which has the advantages of high liquidity (early withdrawal) and higher interest rate than ordinary deposits.

Choose products that suit your risk preference, liquidity demand and income target.

Specifically, you can search for "download link of Du Xiaoman Financial APP (formerly Baidu Finance)" or pay attention to "Du Xiaoman Technology Service Number (Du Xiaoman Financial Management)" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!