Source: Moni Zhicai
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2018 domestic investment and financial management market environment is very poor. Most investors tend to store their money in more secure financial products. Some time ago, Moni has introduced several innovative bank wealth management products with strong liquidity and far exceeding Yu'ebao, such as Fuminbao, Blue Ocean Bank 's 5-year savings deposits and WeBank 's smart deposit + ········
The following figure is a large-denomination certificate of deposit and fixed-term and current financial management income chart compiled by Moni. It is for your reference only.
For friends who like financial management, Moni suggests that everyone visit the financial management platform of these BAT bosses, and always launch hot products and internet celebrity products from time to time to surprise people. Recently, when Moni was shopping in WeBank, she discovered several products with good security and profitability. She would like to share with you:
1, large-denomination certificate of deposit
What is large-denomination certificate of deposit? To put it bluntly, its purchase threshold is relatively high, generally 20W. Of course, is for different products. The starting point for some large-denomination certificates of deposit can be 30W, 50W, or even 100W! Generally speaking, the higher the starting point of purchase, the higher the interest rate.
WeBank's large-denomination certificate of deposit is 3 years, with an annual interest rate of 4.262%, deposited from 20W. The interest calculation rules are as follows:
orders to look at the income. It seems that it is not particularly attractive to benchmark against other companies. , but one of the highlights of this large-denomination certificate of deposit from WeBank is that the interest is received monthly. Moni calculated that if she invested 200,000 yuan, she would have an extra 710.33 yuan in WeBank card every month. You can also bind Wechat card to WeChat, so that you can use the interest generated by monthly deposit certificates to pay some daily small expenses.
product is suitable for people: is the best choice for parents and elders who have a large amount of funds at hand but do not know how to manage finances!
Secondly, please pay attention to the red part of the Moni frame above. There is also a more humane design - interest calculator:
You can directly enter your starting investment amount on the calculator, and the monthly interest due will be displayed on it. You don’t need to calculate it yourself. It can be said that it is very convenient and flexible. If you want to withdraw funds in advance after investing for a period of time, you can also operate, but the interest you get will not be as much as 710.33 yuan. For details, you can refer to the rules for withdrawing interest in advance in the figure below:
2. Stable financial management product
If large-denomination certificates of deposit are more suitable for investment in the elderly with low liquidity requirements, then WeBank's stable financial management products are worthy of consideration for young investors who have requirements for liquidity and returns.
As shown in the figure above, these ultra-short-term financial management products of WeBank have a seven-day annualized annualization of more than 4%. Everyone can consider it. Moni has invested in the world before and enjoyed peace and profit every day. This is a personal pension security management product, which belongs to current conditions. The starting investment threshold is low, starting from 1,000 yuan, and there is no need to redeem . The current annual income of 7html on the 4th day is 4.0280%. The following is the fluctuation of the yield of this product in the past year, which can be said to be more stable than the money market:
Let’s talk about Jianxin Feiyixin 30, Guangzheng Hongmian 84, Guangfa Duotianli 90, etc. These are all regular financial products, with investment periods ranging from 1, 3, and 6 months. The returns are generally higher than current financial products. Friends who want to invest in this type of product need to pay attention to:
① Moni takes Guangzheng Hongmian 84 as an example. You can see that the interest rate will be raised from the 8th to the 16th. There is no interest on the principal lying in it for a full 8 days! This is not a good deal. Moni recommends that you use so that can guarantee that the investment funds can enjoy the current + income before the 15th (excluding).
② Also as a financial product, although the risks of products like Jianxin Feiyixin 30 are low, they do not promise to guarantee capital.
In recent years, private banks have launched many innovative products. While they are deeply loved by most investors, a small number of investors also question or worry that banks are too small to ensure the safety of investors' funds. Some fans left a message in the backstage to ask Moni, "Is online merchant bank reliable?" "How is WeBank?"...
Here, Moni wants to say that both Angle merchant bank and WeBank are all Internet private banks that have obtained licenses and are also subject to supervision by the China Banking and Insurance Regulatory Commission! So as long as traditional banks have them, they can all be assured. , and according to the " Deposit Insurance Regulations ", deposit insurance implements a limit on repayment, with the maximum repayment limit of RMB 500,000. If the amount of funds calculated by the combined amount of deposit principal and interest of all insured deposit accounts of the same depositor in the same insured institution is within the maximum repayment limit, the full repayment shall be implemented.
In other words, even if the bank goes bankrupt when an economic crisis occurs, if the principal and interest of all the deposit accounts in the bank do not exceed 500,000 yuan, you can pay in full. Okay, that’s all for today Moni will share with you. If you have any questions, leave a message on the backend~
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