What kind of wealth management products have a low threshold and stable income?

It depends on what kind of effect you want, I didn't have 3,000 yuan for financial management at the beginning, I only started with a few hundred yuan, and the income was about 10,000 in less than a year. If you want me to say that kind of effect then we ** experience.

Financial management requires the accumulation of time, a good attitude, and no speculation. Wealth management is the process of achieving financial freedom through a certain period of time through the financial management platform in the scientific and reasonable disposal of small money. It requires you to be patient, attentive and sincere.

We are destined to be friends** financial product analysis and financial management form ......

There are many wealth management products, and now major banks have launched wealth management products, but generally speaking, the investment income is not very high, and the sealing period is long, but the bank's wealth management generally does not have any risks.

If you pursue high returns, you can go to the company, or financial institutions to consult, as far as I know, the company has a product called pledged repurchase with less risk, higher returns, no sealing period, and more flexible.

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Loan-type financial management mainly does mortgage loans, high returns, risk coefficient is 0, please reply for details, I will send you information as soon as possible.

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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The deposit period of this product is 5 years and can be withdrawn in advance.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.

1. Bank wealth management

The bank wealth management products we refer to generally refer to the wealth management products operated by the banks themselves, in which the bank's asset management department (in the future, the bank's wealth management subsidiary) invests the "raised" funds into the relevant financial markets and purchases related financial products according to the product contract, and distributes the investment income to investors according to the contract.

According to the requirements of the new asset management regulations, wealth management products, including bank wealth management products, cannot guarantee principal and interest. Of course, not promising to guarantee principal and interest does not mean that wealth management products have great "risks", nor does it mean that bank wealth management is unreliable or "risky", mainly depending on the risk level of the product. Under normal circumstances, bank wealth management cannot be redeemed in advance.

2. Products distributed by banks.

The bank consignment products mentioned here are generally the wealth management products of other financial institutions that are "sold" by the bank, and a marketing method to obtain intermediate fees, such as bank consignment sales of public offerings, insurance, trust products, etc. Banks are only "agency sales intermediaries" and are not responsible for product management and payment.

How can you tell the difference between good and bad?

Theoretically, the products distributed by the bank will also have "access", and the products sold on behalf of the bank must be products issued by compliant financial institutions (except for flying orders or being cheated), but the products may not meet your risk appetite, liquidity requirements and income goals, so you can judge whether they meet according to your actual situation.

You can pay attention to the "smart bank deposits" of small and medium-sized banks, and enjoy the protection of deposit insurance (according to the provisions of the "Deposit Insurance Law": individuals enjoy 100% compensation within 500,000 yuan for ordinary deposits in a single bank), and the "interest rate" is about 4%, which has the advantages of high liquidity (can be withdrawn in advance) and higher interest rate than general deposits.

Or pay attention to "Du Xiaoman Technology Service Account (duxiaomanlicai)" for detailed product information. Investment is risky, and financial management needs to be cautious!

1.Large certificates of deposit. The biggest investment restriction of large-denomination certificates of deposit is that the threshold is high, and in terms of returns, there is not much difference between them and the fixed deposit returns of some small banks.

2.Bank wealth management products. Bank wealth management has always been favored by many investors because of the endorsement and relatively high yield of commercial banks, and bank wealth management is still higher than Yu Bao and policy financial bonds in terms of profitability.

3.Bank fixed deposits. Bank fixed deposits are the most primitive and stable investment varieties, and with the continuous development of the market, the purchase of bank fixed deposits can now reap high returns. And the longer the maturity, the higher the yield, which is higher than the current yield on savings bonds.

4.Savings Treasury bonds. With its stable and relatively high returns, it has been well received by users since its launch. Treasury bonds are guaranteed by national credit, which is stable, and at the same time, the yield is higher than that of bank fixed deposits in the same period.

The modification of financial management rules will have the same probability of falling as ** Don't touch it if you don't know Don't bother the police when you lose money, don't touch it if you don't understand It's not that material.

In terms of investment and financial management, many people trust banks and like to buy bank wealth management products. However, bank wealth management generally starts at 50,000 yuan, and the threshold for hungry funds is too high, so some people are rejected out. So, what are the other low-threshold wealth management products?

1. Pension financial management (CCB Pension Feiyuebao).

Pension wealth management (personal pension security management products) is one of the more popular financial products in 2018, mainly issued by pension management institutions or pension insurance companies. Its risk level is "medium and low risk", the expected rate of return is about 4% to 5%, and the minimum purchase threshold is only 1,000 yuan, which is more "close to the people" than bank financial management. If you are interested, you can find this kind of product in WeChat Wealth Management and Alipay.

2. Smart Deposit (Fumin Bao).

Smart deposit is an innovative deposit product of private banks, which is protected by deposit insurance. Generally speaking, the interest rate of smart deposit is more than 4%, and it can be withdrawn at any time, and the withdrawal will be credited to the account in real time. In terms of capital threshold, there are no high requirements for smart deposits, and generally a minimum deposit of 50 yuan is sufficient.

Third, the goods base baby (Yue Bao).

The most typical of the goods-based baby is Yu Bao, and similar products include WeChat Coin Pass, Jingdong Small Treasury and so on. This type of product is very flexible, supports fast redemption, and the expected yield is between to. Goods-based babies generally start at 1 yuan, and the user experience is very convenient.

4. Wealth management type** (Minsheng plus bank wealth management monthly).

The security of the wealth management type ** is similar to that of currency**, and the expected return is slightly higher, but there is a certain investment period (such as 7 days, 1 month). Wealth management ** does not have too high capital threshold, generally from 1000 yuan.

The above are the four types of low-threshold financial products, I hope it will be helpful to you. The four types of financial management listed above not only have a low investment threshold, but also have a relatively low risk, which is suitable for conservative users.