What are the safer financial products online?

At present, there are many types of personal investment and wealth management products, including fixed time, treasury bonds, large-amount certificates of deposit, currency, trust, insurance, etc., and the investment starting point of different products is different, and the corresponding risk level is also different. Relatively "safe" ones include treasury bonds, currency**, and large-amount certificates of deposit.

At present, the "safest" wealth management product is, of course, "deposit", according to the deposit insurance protection system, 100% compensation within 50w. Of course, "deposit" does not mean that you can go directly to the bank for the survival period or fixed term, you can pay attention to the smart deposit products or large-amount certificates of deposit issued by small and medium-sized banks, and the yield can be about 4%. Other "wealth management products", including bank wealth management products, will no longer guarantee principal and interest according to the requirements of the new asset management regulations.

At this stage, there are some products on the Du Xiaoman Wealth Management APP (formerly wealth management) platform, including current and regular wealth management products, and selected ** products for users to choose according to their liquidity preferences and risk preferences. For example, the current product "Sanxiang Bank Current", the income can be withdrawn in advance, deposited and withdrawn at any time, interest from the same day, no restriction on holidays, withdrawal on any natural day, real-time arrival on the same day, no trading day limit, no limit limit, 100% compensation within 500,000 yuan; For example, the fixed-term bank wealth management product "Revitalization Smart Deposit", with an annualized rate of return of about it, is a bank deposit product, with 100% compensation within 500,000 yuan, which is suitable for stable and above investors;

There are also some selected equity products, which are suitable for investors who can take certain risks and pursue wealth preservation and appreciation. Investment is risky, and financial management needs to be cautious!

China Merchants Bank) China Merchants Bank Wealth Management Products PurchaseAccording to your own investment preferences, risk tolerance, capital liquidity, etc., you can enter the homepage of China Merchants Bank, click "Wealth Management Products" - "Personal Financial Management Products" - "Search" to classify the product information you need.

Lufax, Yu'e Bao, Wealth Management, Baiying, and Jingdong Small Treasury are all good wealth management products

1. Lufax.

Lufax - Ping An Group of China's investment and wealth management platform. On the basis of a sound risk management and control system, we provide investors with professional financial services. Ranked as "China's Best Online Wealth Management Platform" by The Asian Banker 2017, the diversified wealth management products meet your all-round wealth management needs

Change wealth management, term wealth management, online loans, etc.

2. Yue Bao.

Yue Bao is a balance value-added service created by Alipay, a third-party payment platform, for individual users. Users can directly purchase financial products such as ** in Alipay**, and the funds in Yuebao can also be used for online shopping, Alipay transfer and other payment functions at any time. The funds transferred to Yu'e Bao will be confirmed by ** company on the second working day, and the confirmed shares will start to calculate the income.

3. Wealth Management Connect.

On January 22, 2014, the cooperation between Tencent and Huaxia officially landed on WeChat. The 7-day annualized rate of return will be announced on the day of the launch of Wealth Management Connect, while the 7-day annualized rate of return of Yu Yu Bao is. As long as you have a smart phone, WeChat APP, and a bank card, you can easily deposit and transfer out.

The 7-day annualized rate of return is equivalent to more than 16 times of the demand deposit, and the maximum daily deposit limit is limited to 8,000 yuan in the trial operation stage.

4. Earnings. Wealth Management is a professional wealth management platform, providing diversified financial products such as current wealth management, regular wealth management, and investment to help you achieve wealth growth with peace of mind. The goals of financial management are:

Through a professional team, we select high-quality financial products, provide fast and high-quality financial services, and create a one-stop professional, comprehensive and reassuring comprehensive financial service platform.

5. Jingdong small treasury.

Jingdong small treasury is similar to the Yue Bao launched by Ali, after users transfer funds to the "small treasury", they can buy currency**products, and at the same time, the funds in the "small treasury" can also be purchased on Jingdong** at any time.

Note that safe and reliable wealth management products should be treasury bonds. Or the bank's wealth management products have a very low risk level. For example, the kind of financial products of R 1 and R 2. The above content is for reference only, thank you!

The expected returns, investment directions, and risks of different wealth management products are different, and they are divided into principal-protected wealth management and non-principal-protected wealth management according to whether the capital is guaranteed. If you need to invest, there are many wealth management products on sale in Ping An Bank, and the types of wealth management, financial returns, and risks are also different.

Warm reminder: investment is risky, investors should fully understand the investment risk, invest prudently, fully understand and clearly understand the risks contained in wealth management products, participate in the transaction through their own judgment, and voluntarily bear the relevant risks.

Retire you, retreat, have nothing to do, be courteous, I'll go do my homework.