Can I use the money from current wealth management to buy fixed term wealth management products at a

It doesn't seem to work, if you really have spare money and want to manage your finances, I suggest you do Yue Bao or Hengchang Bao, and the income is good.

It's still good, current financial management is more convenient, because you can withdraw money at any time, although the interest will be less, but it can also meet daily needs. But it's not appropriate to put all the money into it.

Although the investment threshold of bank current wealth management products is lower than that of regular wealth management products, it is still much higher than that of Yu'e Bao. Generally, the minimum investment amount of current wealth management is 10,000 yuan, and the minimum investment amount of Yue Bao is 1 cent. Therefore, from the perspective of investment threshold, Yu'e Bao is more popular.

The investment scope of bank demand wealth management products is wider than that of Yu'e Bao, so the expected rate of return is slightly higher than that of Yu'e Bao, and the expected average expected rate of return is around.

However, on December 27 last year, the China Banking and Insurance Regulatory Commission and the central bank issued a notice on cash management products, according to the latest notice requirements, the future investment scope of bank current wealth management products should also be benchmarked against the currency**, which means that the expected rate of return of such products in the future may also be **.

Be wary of financial risks.

1. There is also a risk of loss due to different product grades;

2. Wealth management products strive for high returns, but the actual risks still exist;

3 Expected returns are not actual returns;

At the beginning of October, the China Banking Regulatory Commission (CBRC) officially issued the Administrative Measures for the Sales of Wealth Management Products of Commercial Banks, which further requires commercial banks to clearly disclose the risks of the sale of wealth management products. At the end of 2008, 500 of the 4,827 wealth management products issued by banks were floating losses.

4. Read the investment contract in detail;

It is recommended that when purchasing short-term wealth management products, the public should not only inquire about the product in detail, but also carefully read the investment contract, which will clearly state the product returns.

Current financial management is a very low-risk financial management method, but the return is also relatively low, if you take all the money to buy current financial management, there may not be a good return.

Of course, you can manage the current account, the general date is relatively short, although the income is very low, but the risk is relatively low, mainly suitable for those who are more anxious to use the money when they can also get a certain amount of income when they can use the current money.

We should not invest all the money in the current account, because we can not keep the value of the money in value, we can invest three months of living funds in the current period, and buy some spare money that is not needed for the time being to buy some better returns**.

Some wealth management products are fixed-term, such as wealth management products issued by banks, fixed-term wealth management products, customers cannot redeem them in advance, and can only wait until the end of the term to obtain the principal plus income. There is no fixed term for this kind of wealth management product, and customers can subscribe and redeem it at any time, which can be called an indefinite term wealth management product.