What kind of financial products have faster and better returns and the lowest risk now?

You can try monetary wealth management products, currency wealth management products are invested in bonds, treasury bonds, central bills, bank short-term deposits, are the lowest risk, so currency wealth management products are also known as principal-guaranteed wealth management products.

Guotai Junan**Jundeli, your new savings passbook.

Interest is calculated on a daily basis, dividends are distributed on a monthly basis, and entry and exit are free, and you can take them as you go.

It is equivalent to current savings, with an estimated annualized return of 4%-5%, and the income of 50,000 "Jundeli No. 2" is equal to the current interest rate of 400,000 banks, and the annualized income of Jundeli is higher than the income of one-year fixed deposits of banks!

You can go to the Guotai Junan business department in various places to find out, if it is Liaoning, you can contact me directly!

The postal service has a very good financial management, what exactly forgot, you can ask.

Regular investment ETFs have good returns in the long run, close to zero risk, and are much stronger than bank deposits.

How much idle funds do you have, you can try trust products if you want to manage money, trust wealth management products as Gaorui wealth management products, high returns, good stability, and low risk are the main characteristics of trust wealth management products. Trust wealth management products include bank wealth management products and trust companies issued wealth management products, in fact, many trust products of banks now come from trust companies, banks as intermediaries will take a certain amount of fees from them, I personally feel that the direct purchase of trust company products income is greater than that of banks.

At this stage, it is worth paying attention to...

Depending on your assets, if you have more than 5w, you can consider bank trust products, and if you are more than 100w, you can consult banks and trust companies for cooperative products.

First of all, we must know that any financial product is risky, but the size of the risk is different, some financial products are risky, and some financial products are risky, so the situation of financial management is not guaranteed, but some financial management is almost not risky, unless it is a special situation. So what are the financial products that are less risky?

1.Bank fixed deposits.

Bank fixed deposit is guaranteed 500,000 yuan, if your money is within 500,000, it will basically be guaranteed, even if the bank goes bankrupt it will also lose you money, if your money is more than 500,000, depending on how much net assets are left when the bank liquidates, and finally compensate proportionally, so the security of the bank is very high, and the risk is also very low.

2.Currency**.

Although there is no capital protection function compared to bank fixed deposits, there is basically a rare loss, the general income is positive, the risk is particularly small, and its liquidity is also very good, you can deposit at any time, and the withdrawal is basically T+1 on it, and the income is generally between 2% and 3%.

3.National debt. There are two main types of treasury bonds issued by China's Ministry of Finance: savings treasury bonds and book-entry treasury bonds.

After saving treasury bonds**, no matter whether they are held at maturity or not, they will not lose, and they will have a certain income.

Book-entry treasury bonds because they can be listed and traded, so there will be changes before maturity, if it is sold at a higher level and at a lower level, it will lose money, which is a risk of treasury bonds, but the possibility of losing money for a long time is generally very small.

Low-risk financial products for prudent and prudent investors, including treasury bonds, certificates of deposit, bank wealth management, currency**, bonds** and brokerage wealth management. You can also think of them as part of your asset allocation. I will talk about investment products corresponding to different risk levels according to different risk tolerances.

Note: Investment is risky, so be cautious in managing your finances! Why do you need to divide by risk level?

Risk is the most common word in all investments. Risk is easy to understand and means "the possibility of loss", and in the technical terminology of investing, risk is the uncertainty that can affect the ultimate value of an investment. <>

As I said earlier, talking about profit without talking about risk, and talking about risk without talking about probability, is the same as talking about toxicity without measuring, which is hooliganism. Everyone knows this: high risk and high profit, you can take as much risk as you want.

But it is inevitable that some people will be blinded by high returns, ignore the high risks, and be insatiable. For example, some of our friends in life work very hard, but they don't know anything about financial management, and they rely entirely on their own income to support themselves. The more money you save, the more you save.

On the contrary, some people have a strong sense of financial management, and they all play well in **trading** purchases, ** purchases, and P2P purchases, however, the result may be a wave of operations that become 250 instead, and the more money you manage, the less money you get. In recent years, various ** have been promoting the importance of investment and financial management, and people's financial awareness has gradually awakened, but many risks behind financial management have not been recognized. <>

As a result, many borrowers are unable to repay their debts and can only become bad debts. As far as I know, some people take advantage of the low management level and risk management loopholes of P2P platforms to buy ID cards from remote villages and defraud various platforms of loans. Moreover, some platforms have wanted to run with money from the beginning, but they have never thought about running well, so various P2P platforms have been running one after another, and the news that a single investor has lost tens of millions has also followed.

Therefore, if you can identify the risks well before you start investing, you may be able to avoid these unnecessary losses.

Without this kind of financial management, the risk is small, and the return is high, and now it is all self-responsibility, high return and high risk, low return and low risk.

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.

In the first half of this year, the average annualized rate of return of Everbright Wealth Management's "Fixed Income +" wealth management products was, while the average market annualized rate of return was only; Since the establishment of the product, the annualized rate of return of Everbright Wealth Management's "Fixed Income+" wealth management products has been the average annualized rate of return in the market. Everbright Wealth Management outperformed the market average in two indicators. (The above data is as of June 30, 2022).

The second is online fixed-term wealth management products

Online fixed-term wealth management products are mainly fixed-income products sold by super large Internet companies such as BAT and Alipay. But BAT is just a channel, and the products they sell are not produced by themselves, but may be fixed income products from insurance companies, ** companies, ** companies.

To sum up, the overall income of bank wealth management products is about 4-5%, which is relatively safe, but before you buy it, you should ask clearly whether your product is an agreed income or a floating income, and you must check the code of your product to avoid buying fake bank wealth management.

Finally, I wish everyone can buy high-yield and safe financial products to achieve financial appreciation!