What good financial products are there?

1, money fund, bank current treasure and other products, the yield is about 3%. Yu 'ebao and Yu Baoli are both money fund products. There are many similar money funds, which can be purchased directly on the fund company's APP. The advantage is that the cost of intermediate shunting is saved, and the output is directly increased. In addition to directly purchasing the money funds of fund companies, many banks have provided live treasure products. This product looks similar to a money fund, with a yield of around 3%-4%.

2. Bank wealth management products with a yield of 3-5%. Bank wealth management products have been widely known and loved by many users for their high yield and flexible term. The term of bank financing is usually 30 days to 1 year, and the yield is 3-5%. Bank wealth management products are highly safe, and it can be considered that there will be no loss of principal and interest, so they are very valuable products.

3. Bank smart deposit products with a yield of 4-5.5%. In the second half of 2065438+2008, smart deposit products of banks began to emerge, which were warmly embraced and chased by many friends. In the apps such as Jingdong Finance, Alipay and Xiaomi Finance, bank smart deposit products have been launched. The highest 3-5-year fixed deposit rate of JD Finance is 5.45%, and the 1 year fixed deposit rate of Alipay is 4.9%, and the income of Xiaomi is similar. This innovative bank time deposit enjoys the protection of bank deposit insurance regulations and has high security.

How to buy bank wealth management products?

1, depending on the product risk level.

At present, the bank's wealth management products can be roughly divided into five types according to the risk level: cautious, steady, balanced, enterprising and radical. Generally speaking, the first two are risk-free and have the advantage of stability. Even if the income is risky, the principal will generally not be lost. The latter three risks are relatively high, but the benefits will be more obvious.

Generally, there will be a questionnaire test before buying a product to see what kind of investor you belong to. The general rule is that people with higher incomes tend to invest actively, while people with lower incomes tend to invest cautiously.

2. Look at the type of product

Investors must be careful not to invest in areas they don't understand, so pay special attention to what types of products are. Take funds as examples: money funds, bond funds, stock funds, hybrid funds and so on. If you don't understand stocks at all, you should look clearly, and it is best not to choose stock funds. Invest where you are good at.

3. Diversified investment

As mentioned earlier, there are many banks besides the four major banks, and their wealth management products are different and their income is different. We can compare and choose a better one. But you can't put all your treasures together. If you have risks, you will lose everything.

What should I pay attention to when buying bank wealth management products?

1, security of bank wealth management products

No investment is 100% safe. As long as it is accompanied by risks, the higher the return, the greater the risk. For bank wealth management products, the risk is relatively low, and the wealth management projects audited by the bank risk control team are relatively strict, but there is not necessarily no problem, but the probability of occurrence is relatively low. The state stipulates that more than 500,000 deposits are not guaranteed and banks may close down.

When novice investors buy bank wealth management products, they are often worried when they see non-guaranteed floating income wealth management products, for fear that problems will arise if the risk is too high. In fact, investors need not worry too much. There is basically no loss of product principal in the bank wealth management market, and the probability of reaching the expected highest rate of return can reach more than 99%. Some structural products and products with risk grade r3 and above are uncertain, while non-guaranteed products with risk grade r2 can be purchased with confidence.

2. Fees for purchasing bank wealth management products

The handling fees of bank wealth management products include subscription fees, sales fees, management fees and custody fees. Generally speaking, banks do not charge subscription fees, but other fees are still charged. Most expenses do not exceed 0.3% of the investment, and the total expenses usually do not exceed 0.6%.

However, the average bank has taken this part into account when calculating the yield of wealth management products. That is to say, the bank has calculated the yield of wealth management funds, and after deducting various handling fees, the rest is the so-called "expected rate of return". Therefore, according to the expected yield of the product, you can calculate the actual income you get, regardless of the handling fee.