1. Trust products remind friends that if they are long-term investment optional trust products, for high-net-worth individuals with millions of idle funds, if their liquidity needs are low, investing in the "rich and handsome" people in the fixed income circle

Trust products are a good choice.

Compared with general financial products, trusts are characterized by high thresholds, high returns, and long terms.

The average yield rate of trusts reaches 8% to 10%, which makes it difficult for ordinary fixed income financial products on the market to match.

Taking 1 million investment and financial management as an example, if you purchase a one-year trust product with a yield of 9%, you can "eat interest" of 90,000 yuan per year.

Calculated at 3.3% after a one-year term deposit is increased by 10%, the interest rate of purchasing a one-year trust can be 57,000 yuan higher.

2. "Fixed income" of fixed-income financial products means that the income is a fixed value, but not all fixed-income financial products guarantee the principal and income. Investors should understand clearly. It is recommended that you refer to the products of recent years.

Regarding the historical redemption status, try to choose the one with 100% historical redemption.

3. Bank fixed deposits Bank fixed deposits are a traditional investment method, which means that depositors deposit funds in the bank on a regular basis, and the bank pays interest to the depositors as a reward.

The deposit terms of bank fixed deposits are divided into one year, three years and five years, and the base annual interest rates are 3%, 4.25% and 4.75% respectively.

If you deposit 1 million yuan for one year, three years and five years, the interest will be 30,000 yuan, 127,500 yuan, and 237,500 yuan respectively. 4. Diversify your investment through optional bank financial products, and buy some long-term financial products with higher returns.

Partial purchase of short-term flexibility products.

At the same time, you can also configure some insurance and fund products.

I would like to remind everyone that the bank’s wealth management products have relatively stable returns, and you can also invest in the stock market and gold market in combination to share the high returns brought by high-risk markets.