Year return rate the demand of 10% is too high, more or less had not earned so tall redound, firmly now not the buying and selling of compensate.

Conduct financial transactions produces those who taste a consideration ought to be security, yield and fluidity.

Conduct financial transactions produces tasted security
Tell from security angle, the safest ought to be an individual in some bank account the deposit of 500 thousand yuan of less than. Our country has deposit insurance system, the individual is in a bank the deposit inside all account, below 500 thousand yuan of circumstances that close down with immanent bank, can sum liquidate. Because, the bank should be sure to deposit according to the regulation insurance premium of fund administration pay. This belongs to system sex safety to ensure.
National debt, it is to follow the product of conduct financial transactions with bank deposit similar security actually, national debt has national reputation to do safeguard. The credit of our country is first-rate still, had never appeared national debt break a contact. Economy and governmental income also are in stability to develop level all the time. So, national debt deserves credit very much. Local national debt wants only send by the generation central, can have national acting countervail. But local financing platform but different, the possibility of break a contact also is some, did not confuse so.
Monetary fund, be called again " accurate deposit product " , bill of bond of main invest in, Central Bank, counter-purchase wait for the short-term finance variety with extremely high security.
Bond fund, bond of main invest in, nevertheless enterprise bond has risk of break a contact.
Stock fund, stock of main invest in, point to wait for a product, risk sex is very big.
Additional, still have mix model fund. Be according to certain proportion, the combined-type fund that all sorts of grain property taste invest in.
Besides, what everybody is familiar with most is product of bank conduct financial transactions. Product of bank conduct financial transactions is invest in deposit is mixed actually a kind of of all sorts of fund afore-mentioned integrated products, investment scale is complex and diversiform, so we are not very understand, saw accrual go only. That is to say, product of bank conduct financial transactions, investment is complex, put likely also in deficit risk.

Yield
Current, products of all sorts of conduct financial transactions are to have space of certain interest rate float.
Interest rate of bank deposit current has 0.35% only, and a few state-owned large and medium-sized the bank is directly 0.3% . Bank time deposit, it is commonly in 3% above, big deposit receipt can be achieved 4.26% , the product that local bank attracts deposit can be achieved 6% .
3 years period yield of deposit type national debt is 4% , 5 years period yield is 4.27% , it is to press year of payment of interest.
Monetary fund yield, innovate repeatedly in recent years low, at present general yield is between 2.2~2.8% .
Income of bond fund, stock fund is errant, can achieve 10% above, but the possibility that also has risk of break a contact and capital loss.
In Feburary 2019 portion, the general yield of product of bank conduct financial transactions is in at present 4.35% the left and right sides.