How to invest in the wealth management products of big banks for the year-end bonus is the most convenient?

Wan Yun, general manager of the retail business of Bosera Fund Company, put forward three financial management ideas: Wan Yun: The most convenient thing is to buy financial products from banks. However, there is a disadvantage that the term is relatively short and it seems that the income is relatively high. After the holiday, the income will definitely drop. So there is a risk of reinvestment. For example, you received a year-end bonus of100000 yuan. You have invested in a wealth management product for fifteen days. But 15 days later, you find that when you try to find a way for this fund again, you have to accept products with lower yield. He believes that buying money funds is also a favorable investment method. Wan Yun: The annualized rate of return of the money fund is 2-3%. Due to the current tight bank currency, it is not excluded that there will be higher income during the Spring Festival. Compared with wealth management products, the advantage of money fund is that you don't take it, and it will always play the role of wealth management. Bank wealth management products will be automatically returned to your account when they expire. If you don't pay attention, the later part will be settled according to the current demand. Therefore, the money fund will be more convenient in the efficiency of the use of funds. Finally, he suggested that if the money is not earmarked, it can benefit from the perspective of medium and long-term investment. Wan Yun: Fixed-income products of equity funds can be considered. Short-term products should be considered before the holiday, and medium and long-term products should be put after the holiday. The key is to look at the investor's arrangement for the use period of this fund.