Are bank wealth management products really safe?

It can't be said that it is absolutely safe, but it is still relatively guaranteed. Although according to the requirements of the new asset management regulations, future wealth management products may not promise to protect capital and interest, including bank wealth management products. However, not promising to protect capital and interest does not mean that wealth management products are "risky", nor does it mean that bank wealth management is unreliable or "risky", mainly depending on the risk level of assets invested behind the products.

You can pay attention to the "smart bank deposit" products of small and medium-sized banks, enjoy deposit insurance protection, and pay within 500,000 yuan 100%. For example, the demand product "Sanxiang Bank Demand" can be withdrawn in advance, with a yield of about 3.9%. It can be accessed at any time, and the value can be taken on the same day, and it can be withdrawn on any natural day, and it can be received in real time on the same day, with no trading day limit and no limit. For example, the term bank wealth management product "revitalizing smart deposits" has an annualized rate of return of around 4.8%, which is suitable for stable and above investors.

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!