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Recently, the "Top Ten Safe and Reliable Formal Financial Management Rankings" have been released, provided by third-party information platforms, and we will take this opportunity to see if this ranking is reliable.

1.Yue Bao

Yue Bao is a balance value-added service and current fund management service product of Ant Financial, which was launched in June 2013. Tianhong is the manager of Yue Bao. Yu'e Bao is connected to Tianhong**'s Yuebao currency**, which is characterized by easy operation, low threshold, zero handling fee, and can be used at any time.

In addition to the financial management function, Yu'e Bao can also be directly used for shopping, transfer, payment and repayment, and other consumer payments, which is a cash management tool in the mobile Internet era. At present, Yu'e Bao is still the largest currency in China**.

2.Coin treasure

Coin treasure is a cash wealth management product created by the third-party payment platform Epay for individual users, and the funds deposited in the coin treasure can not only get higher returns, but also be consumed and transferred out quickly at any time, which is convenient and flexible and does not charge any handling fees. At the same time, the funds in the Coin Treasure can be used for online shopping, recharge payment, transfer and credit card repayment, etc., and can also be transferred to the Epay account or bank card.

4.Current Treasure

Current Treasure (formerly Tiantian Cash Treasure) is a financial management tool launched by Tiantian**.com for preferred currencies**. Topping up the current account (i.e. buying preferred currency**) can earn up to more than 10 times the current deposit, far more than a one-year fixed deposit, and enjoy 7 x 24 hours fast cash withdrawal and real-time arrival service.

5.Wealth Management Connect6.Coin Pass7.Yu Libao

Yu Libao is a cash management product mainly for individuals, small and micro enterprises and small and micro operators, and the product itself is a cloud business treasure currency launched by Tianhong**, which has the characteristics of low risk and high liquidity, and is jointly created by MYbank and Tianhong**.

So after observing the above, I don't know if you have found it, no matter what treasure or pass, the essence of its product is currency, why is currency in the list of "safest financial management" products? This is determined by the characteristics of the currency**

Because the currency mainly invests in treasury bonds, central bank bills, commercial papers, bank certificates of deposit, short-term bonds and other short-term currency instruments. Therefore, it is basically unlikely that there will be a loss of principal, which is why the above types of treasures can ensure the safety of the principal and can be shortlisted for the safest financial management list.

Judging from historical data, the "top three currencies" steadily outperformed the CSI Currency Index.

Based on the data backtested over the past 7 and a half years, the "Top 3" returns have consistently outperformed 80% of the currencies in the market**, and in 2014 and 2017 they outperformed more than 95% of the currencies**.

Of course, the currency has some advantages, and the "three best currencies" also have it, such as no handling fee for subscription and redemption, and it has the characteristics of "low risk and steady growth".

Therefore, the "Three Best Currencies" is suitable for investors with all risk appetites for asset allocation, especially for investors who pay attention to the safety of their principal and pursue higher returns than bank deposits.

。Investment is risky, and financial management needs to be cautious!

Don't believe it, most of it is a lie.