Is the current interest rate of 4% for five-year time deposits in bank of luoyang a deposit or a wealth management?

In this case, the interest rate of bank financing is higher than the bank's regular interest rate. If you want to get high returns and high interest rates in a short time, wealth management products are the best choice, and the risk of wealth management products that can be settled in banks is not particularly high, so you can choose wealth management products.

When investing in venture capital, remember not to put one egg in the same basket, but to put the eggs in multiple baskets, so that some deposits can be made on a regular basis, and the other can be purchased into treasury bonds and wealth management products. And when you make a time deposit, don't put all your money in the bank within a fixed period of time. You can make a time deposit within one year, two years or three years, which is a good choice.