How to choose reliable bank wealth management products

In fact, the difference between "income" and "safety" of bank financing is not so great, and the income is generally between 3.5% and 5%. Generally speaking, the deposit interest rate and wealth management income of small and medium-sized banks will be higher than that of large banks. Because large banks have more outlets, they have stronger ability to absorb public and private savings and lower costs, while small and medium-sized banks, especially city commercial banks, can only attract funds through higher interest rates and income.

You can 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 (excluding structured deposits) in a single bank), and the "interest rate" is around 4%-5.5%.

For example, the bank deposit products of "Zhongbang Duobang Li" bear interest by file, with a maximum withdrawal rate of 5.0%, and the value of the day is transferred, regardless of holidays. On the day of withdrawal, it can be received in real time and withdrawn at any time, with no limit.

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!