The real interest rate of bank deposits and the advantages of wealth management products

The real interest rate of bank deposits and the advantages of wealth management products

Deposits, including demand deposits, time deposits, call deposits, certificates of deposit, etc. , usually with the word "deposit" in the name, but "structured deposit" is an exception;

Wealth management products are investment products with higher returns and risks than deposits. According to the difference of income, risk and liquidity, there are closed products, net worth wealth management products and structured wealth management products.

Among them, structured wealth management products (also called "structured deposits") are relatively high-risk wealth management products;

In addition, it is a net wealth management product, which can also be divided into cash management products and income increasing products. The former can usually make a large withdrawal of T+0, while the latter can realize the longer the investment period, the higher the income.

Advantages of wealth management products

First, good reputation and high security.

Second, the capital chain is safe.

Third, good liquidity.

Fourth, there are many online stores, which are fast and convenient.

Fifth, bank financing is more professional and objective.