Which income is better, Yu 'ebao, Licaitong or bank financing?

Monetary Fund: At present, the yield has fallen below 2.5%, and its security and liquidity are relatively high (the loss probability is extremely small). According to the regulatory requirements, the daily "quick redemption" amount of a single money fund is RMB 6,543.8+0,000, that is, the redemption within RMB 6,543.8+0,000 can be received in real time. With the decline in the yield of money funds and the limit of quick redemption of 6,543,800 yuan, it is suitable for the allocation of small funds.

Bank wealth management: According to the requirements of the new asset management regulations, future wealth management products can not promise to protect capital and interest, including bank wealth management products. However, not promising to protect capital and interest does not mean that wealth management products have great "risks", nor does it mean that bank wealth management is unreliable or risky. The income is between 3.5% and 4.5%, which is relatively stable.

Smart deposits in banks: 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 (excluding structured deposits), and the "interest rate" is around 4%-5.5%. For example, there are some demand bank deposit products on the platform of Du Xiaoman Wealth Management APP (formerly Baidu Wealth Management), such as "Sanxiang Bank Demand", which can be withdrawn in advance, with a yield of about 3.9%. It can be accessed at any time, with interest on the same day, unlimited holidays, and withdrawal on any natural day. It can be received in real time on the same day, with no trading day limit and no limit.

You can search for "download link of Du Xiaoman Financial APP" or follow "Du Xiaoman Technology Service Number" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!