Don't let idle money sit idle, CEX financial products, there's always one that suits you

Recently, the cryptocurrency market has been highly volatile, and many people have started to become cautious. Some believe that "being a friend of time" is the way to go, holding onto coins until they rise. Others adhere to the principle of "cash is king," holding onto USDT during significant drops. Regardless of which camp you belong to, based on the principle that idleness is wasteful, it might be better to take advantage of this period of market silence to allocate funds reasonably into some financial products that can both preserve capital and yield decent returns.

Flexible/Fixed Deposits: Flexible Funds, Stable Returns

Flexible financial products can be deposited and withdrawn at any time, while fixed deposits have a certain lock-in period, both offering fixed annualized returns. This type of financial management is similar to bank deposits or Alipay's Yu'e Bao, suitable for those who have idle USDT.

Currently, most exchanges offer attractive annualized rates for flexible deposits, but often only the first $500 or $1,000 enjoy high rates, with amounts exceeding that earning interest at 2%. Many times, even if the annualized rate is advertised as high, it is merely a gimmick.

However, sometimes platforms run marketing campaigns to enhance coin-earning subsidies, so it's worth paying attention to participate. For example, the rising star platform 4E has recently launched four new products during its anniversary celebration.

The flexible product offers an annualized rate of 2.5%, with no tiered rates; all amounts are calculated at a solid 2.5%, which is quite rare in the market.

Looking at their fixed products, the annualized rate is 5% for 14 days, 5.5% for 30 days, and also 5.5% for 90 days.

Such rates far exceed similar products, making them very suitable for investors who are unwilling to take risks but want to achieve wealth appreciation in the short term. If you haven't found better financial channels, you might as well try this product from 4E; after all, zero risk with such returns is indeed uncommon.

Quantitative Finance: High Returns, But Quick Entry Required

For those seeking higher returns, quantitative finance is also a good choice. It is important to note that these high-yield products are often snapped up quickly when they open, so if you are interested in quantitative finance, be sure to keep an eye on the platform's updates and act promptly. For instance, the latest quantitative finance product from 4E offers an annualized return of 6%, with a lock-up period of only 15 days, making this yield quite attractive, so the quota was exhausted within just a few hours of opening.

On-chain Earning: A Convenient Version of DeFi, Risks and Returns Coexist

For those who already hold cryptocurrencies and are willing to take on some risk, on-chain earning products are also a good choice. These products are similar to DeFi mining but are much simpler to operate than traditional DeFi. You don't need to manage an on-chain wallet or deal with complex smart contracts and gas fees; platforms like 4E will help you invest your funds into on-chain protocols to earn returns. This is both hassle-free and labor-saving; however, the risks associated with these products should not be overlooked. If there are issues with the protocol or if a mining project collapses, investors' funds may be at risk. Therefore, when choosing such products, everyone must consider their own risk tolerance.

Dollar-Cost Averaging: Mindless Coin Hoarding, Waiting for the Bull Market

Lastly, I want to mention dollar-cost averaging, which is a financial strategy I personally highly recommend. People in the industry know that the vast majority of individuals cannot buy at the lowest point; the absolute bottom is often elusive. Data shows that if you dollar-cost average over a year compared to random lump-sum investing, dollar-cost averaging has at least a 65% chance of yielding a higher return than lump-sum investing. Some people have struggled for years, barely breaking even, while others have easily doubled their returns through mindless dollar-cost averaging. If you don't have time to monitor the market or research projects, but want to be a friend of time, then invest 1% of your effort into a 99% certain strategy: diligently dollar-cost average and hoard coins, and you will surely catch the next true bull market!

In conclusion, I must emphasize safety; after all, "you are attracted to its returns, but it is eyeing your principal" is a saying that holds truth. Regardless of which platform you use, safety should always come first, and you must choose those with strength and reputation. The aforementioned 4E is not just a random choice; on one hand, I frequently use it and find it quite good, and on the other hand, it is a global partner of the Argentina national team, with even AFA promoting its financial products, and stars like Messi are also paying attention to this platform, which makes me feel more reliable.

In short, regardless of the platform, be cautious when it comes to financial security. After all, in the path of investment, stability is the long-term strategy.

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