In fact, financial management depends on two main points: first, choose products that suit your income goals, risk preferences, and liquidity requirements; Second, choose a "reliable" platform, such as banks, BAT and other platforms with big brand credit endorsement.
At present, the "most reliable" wealth management products can pay attention to the "bank smart deposit" products, and according to the deposit insurance protection system, the payment will be within 50W 100%. Of course, "deposit" doesn't mean going directly to the bank for life, or regularly. You can pay attention to smart deposit products or large deposit certificates issued by small and medium-sized banks, and the yield can be around 4%-5%.
According to the requirements of the new asset management regulations, wealth management products other than "deposits" cannot promise to protect capital and interest, including bank wealth management products. Of course, not promising to protect the principal and interest does not mean that wealth management products have great "risks". It mainly depends on the assets behind the products, such as some "low-risk" products invested in government bonds, financial bonds and money market instruments.
At this stage, there are some products on the platform of Duxiaoman Wealth Management APP (formerly Baidu Wealth Management), including demand and fixed-term bank deposits, such as the demand product "Sanxiang Bank Demand", which can be withdrawn at any time, with a value of about 3.9% in advance, unlimited holidays, withdrawal on any natural day, real-time receipt on the same day, no trading day limit, no limit limit, within 500,000 100%.
You can search for "Duxiaoman Finance APP" in the application market or follow "Duxiaoman Technology Service Number" for detailed product information. Investment is risky, so be cautious in financial management!