What are the financial products with high returns and safe and reliable These five are the most reli

Before you purchase a wealth management product, you should ensure that you fully understand the investment nature and risks involved in the wealth management product, understand in detail and prudently evaluate the basic information such as the investment direction and risk type of the wealth management product, and on the basis of fully understanding and clearly knowing the risks contained in the wealth management product, you should independently participate in the transaction through your own judgment, and voluntarily assume the relevant risks, and decide to purchase the wealth management product that matches your own risk tolerance and asset management needs after careful consideration.

Ping An Bank has launched a variety of wealth management products to meet the needs of investors, and the expected returns, investment directions, and risks of different wealth management products are different. You can log in to the Ping An Pocket Bank APP-Wealth Management, search for the name of the wealth management product or view the detailed product manual to understand and purchase.

China Merchants Bank. China Merchants Bank's wealth management products.

According to your own investment preference, risk tolerance, liquidity and other comprehensive considerations, you can enter the homepage of China Merchants Bank, click "Wealth Management Products" - "Personal Financial Products" - "Search" to classify the product information you need.

If you want to ask what kind of financial products have high returns and are safe, the American financial predator Soros has said that "there is no risk in investment itself, only out-of-control investment is risky". That is to say, the biggest risk of investment is that you buy products that exceed your subconscious needs, are unfamiliar and do not understand (dry goods are coming, code words are not easy, weakly begging the officials to give a thumbs up first, kneel and thank you).

The first is bank wealth management products

The income of bank wealth management products is usually 4-5% higher than that of Yue Bao, which is generally safer. Most of the bank's wealth management products, to do some low-risk investment, the bank has a very strong risk control ability, can borrow money from the bank of the institution credit and strength is not bad, and there is collateral, the possibility of problems is relatively small, even if there is a problem, you can use the collateral to sell the debt, rarely let users lose money.

Taking into account the five major indicators of issuance ability, profitability capacity, product research and development ability, operation and management ability, and information disclosure standardization, I recommend the product of "Everbright Financial Management".

According to the "Ranking of 279 Banks in China on Wealth Management Ability" released by Puyi Standard in the second quarter of 2022, Everbright Wealth Management performed well in terms of income, with its product "Sunshine Gold 13M Fengli Phase 2" ranking second and ranking among the top five in the industry in terms of comprehensive wealth management ability.

1. Smart Deposit

The issuer of smart deposit is generally a direct bank or a private bank, and in essence, it is also a bank deposit product. How is it "smart"? It is more flexible in the way it calculates interest. Let's take WeBank's smart deposit as an example.

The deposit period of this product is 5 years and can be withdrawn in advance. If the deposit period is less than 1 month, and the withdrawal interest rate is more than 1 month, the withdrawal interest rate is 4%; The deposit period is more than 3 months, 6 months, and 1 year, all of which have corresponding interest rate standards, and the advantages of the highest smart deposit are high security, and flexible access and withdrawal, and the expected return is relatively high, which can be flexibly changed according to the deposit period.

2. Cash management products

Cash management products are also products of private banks. Such representatives include Fumin Bao of Fumin Bank, Dinghuo Bao of MYbank, and Zhi Save of Baixin Bank. The underlying asset of this type of cash management product is bank fixed deposits, which support investors to withdraw in advance, and the early withdrawal interest rate is also very high.

This kind of product has both security, expected rate of return and liquidity, is a more suitable current wealth management product, the expected rate of return is generally more than 4%, JD Finance Bank has selected a variety of such products.

3. Bank T+0 financial management

Bank T+0 wealth management is equivalent to the current version of bank wealth management, which is characterized by interest on the same day, flexible access and withdrawal, and the expected rate of return is generally higher than that of the cargo-based baby, with an average of above. However, the first time you buy this kind of product, you have to go to the bank branch to sign in person, and its minimum purchase threshold is 50,000 yuan, and there are many restrictions.

4. Short-term debt**

The expected return of short-term bonds** is greatly affected by the market**. The bond market is good this year, so short-term bonds are very popular. The best-selling ** has generally increased by more than 5% in the past 1 year.

However, there is a risk of net value fluctuation in the short term, and the long-term expected return is sometimes high and sometimes low, and the stability of the expected return is not as good as the above three types of products.