Among them, time deposit is a relatively stable financial product. It has a certain term, and the depositor may not transfer or cancel it within the term, but the depositor can choose time deposits with different terms according to his needs to obtain corresponding interest income. Compared with demand deposits, time deposits have lower risks and more stable returns.
Funds and insurance are financial products with greater risks than time deposits. The fund is entrusted by the fund company according to the trustee, and the investors' funds are pooled to invest in stocks, bonds and other assets. The level of fund investment income depends on the performance of the fund itself. Insurance products mainly provide personal accident or property loss insurance services, and its income is mainly presented in the form of insurance coverage and dividends.
Generally speaking, the choice of wealth management products of banks is diverse, and the level of market products is relatively rich. When investors choose financial products, they need to evaluate according to investment demand, income expectation and risk preference to ensure the best financial management effect.