Treasury bonds, also known as national bonds, are issued by the Ministry of Finance in China and sold to individual investors through members of the "underwriting" group of treasury bonds (usually banks). National debt is generally called "risk-free rate of return". At present, the yield of three-year treasury bonds is around 2.8%, and the yield of five-year treasury bonds is around 3%. The security of national debt is very high, and its liquidity and yield are weak.

Time deposit: deposits enjoy the deposit insurance system, that is, within 500,000 yuan 100% payment. At present, the benchmark interest rate of three-year time deposits of banks is 2.75%, and the interest rate of small and medium-sized banks can be around 3.2%-3.5% after floating.

Bank wealth management: According to the requirements of the new asset management regulations, wealth management products, including bank wealth management products, cannot promise to protect capital and interest. Of course, not promising to protect capital and interest does not mean that wealth management products have great "risks", mainly depending on the risk level of the products. Under normal circumstances, it cannot be redeemed in advance, and the current yield is around 3.5%-4%.

Fund investment: the risk is relatively high, and the probability of obtaining excess returns is relatively high. Need to adhere to long-term investment and be able to withstand the risk of "fluctuation". If you have long-term "idle" funds and meet your risk preference, you can make appropriate allocation.

You can also pay attention to the "smart bank deposits" of small and medium-sized banks and enjoy deposit insurance protection (according to the Deposit Insurance Law, individuals can enjoy 100% compensation for ordinary deposits within 500,000 yuan in a single bank), and the "interest rate" is around 4%-5.5%, which has the advantages of high liquidity (early withdrawal) and higher interest rate than ordinary deposits.

Specifically, you can search for "download link of Du Xiaoman Financial APP (formerly Baidu Finance)" or pay attention to "Du Xiaoman Technology Service Number (Du Xiaoman Financial Management)" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!