With major state-owned and joint-stock banks collectively reducing deposit interest rates, fixed deposits of one, two, three, and five years have now fully entered the “single-digit era,” with interest rates falling below 2%. As traditional bank deposits offer diminishing returns, investors are increasingly seeking low-risk financial products that can outperform deposits in terms of returns while maintaining safety and stability.
In this environment of increasing uncertainty, the pursuit of “steady happiness” has become more valuable than ever. Recently, on the social platform Xiaohongshu, many young users have shared their experiences in managing small amounts of idle money. One popular product mentioned is the “interbank certificate of deposit index fund.”
For example, JD Finance is currently offering the Tianhong CSI Interbank Certificate of Deposit AAA Index 7-day holding period product. This product primarily invests in AAA-rated interbank certificates of deposit, which are high-credit instruments with lower risk attributes compared to equity products. This lays a solid foundation for the product’s stability. Historical data shows that the product’s annualized rate of return has consistently exceeded 2% since its inception.
The product requires a 7-day holding period, after which investors can redeem it at any time without subscription or redemption fees, and funds are quickly available. Ms. Wang, a white-collar worker in Shanghai, shared her experience: “I heard that the underlying assets are high-credit products among banks. They are expected to yield higher returns than the stable wealth management products I bought before and also make me feel more at ease.”
Currently, the Tianhong CSI Interbank Certificate of Deposit AAA Index 7-day holding period product can be purchased on third-party internet platforms like JD Finance. Investors can search for “Tianhong Certificate of Deposit” on the JD Finance app, where detailed product information is displayed. Notably, the minimum purchase threshold for such products is as low as 0.01 yuan, making it accessible even for small amounts like the cost of a cup of tea or pocket money.
In the context of low bank deposit interest rates, managing short-term idle funds intelligently has become crucial. Products like the Tianhong CSI Interbank Certificate of Deposit AAA Index 7-day holding period product, with their “stable base, excellent returns, and low threshold,” are becoming reliable options for more people to manage their spare change.
The wealth investment research team at JD Finance noted that as interest rate liberalization progresses, interbank certificate of deposit products, with their high credit ratings and low volatility, will continue to provide investors with low-risk short-term asset allocation solutions, helping to preserve and increase the value of idle funds.
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