time deposit
Time deposit can also be regarded as financial management. Although the annual interest rate is only about 3.5%, the foundation is risk-free. In a word, many people like to make time deposits in banks. After all, there are some benefits.
fund
Funds are divided into stock funds and monetary funds.
1, stock fund: it is equivalent to giving money to a professional fund company to buy stocks for you, and the fund company charges a certain commission. It is not much different from the essence of direct stock trading.
2. Monetary Fund: The average annual rate of return is between 3.5% and 5%, with little risk and stable income.
Buying and selling securities and stocks
The stock market has a high profit rate, but it is risky. Need more time to learn the professional knowledge of stock trading and discuss various policies and investment targets.
national debt
National debt, that is, national debt, is a creditor-debtor relationship in the form of social fund-raising based on national credit, and it is a bond with high credit rating. The advantage of national debt investment is stability and security, but the disadvantage is relatively low income. For example, the annual coupon rate of the 3-year national debt issued by China is around 5%; The 5-year coupon rate is around 5.4%.
Bank financial products
Wealth management products are a short-term financing method for banks. As long as you open a wealth management account in a bank and pass the "psychological risk test" of the bank, you can choose to buy it yourself. It is a good choice for people who have spare money but have no intention to take care of it.
Peer to peer loan
P2P financial management is a new type of financial management, and its high-yield characteristics have attracted the attention of countless investors.
However, due to the low market entry threshold and poor controllability of investment risks, we must be cautious in choosing such platforms. In recent years, P2P online lending platforms have closed down or even run away. So when choosing P2P platform, don't blindly listen to others, be careful.