1, don't just focus on high returns.
One of the biggest characteristics of Internet investment is its high income, especially p2p online lending, with an industry average income of 10%-20%, and the income of some new p2p online lending platforms even exceeds 20%, so many investors will blindly invest under the temptation of high income; It is very dangerous for investors to invest rashly without knowing the borrower's information, borrowing purpose, capital flow and risk level. Therefore, in the face of the temptation of high returns, everyone should rationally analyze the platform and improve the security of Internet investment.
2. Don't blindly follow suit.
Some people blindly follow the trend of investment, never considering their own risk tolerance, only looking at income, not looking at p2p online loan financing with higher income, so everyone should be cautious when choosing a platform, make an in-depth analysis of a p2p online loan platform, master the operation mode of the platform and the flow of investment funds, and ensure the safety and reliability of the platform.
3. Don't stick to the rules.
At present, most people are still used to keeping money in the bank. Although the interest is not much, the principal is guaranteed. There have been many incidents all over the country recently? Huge deposits are missing? The incident involved a number of large and small banks, which aroused great concern from the public and public opinion. It seems that the banks that ordinary people have always trusted are not absolutely safe. In the process, they have overlooked a fact? Inflation has shrunk wealth. For many years, the interest rate of bank deposits has not exceeded the inflation rate. If you save for one year, you will lose one year.
What investment can I make with money in my hand?
1. Establish a portfolio and invest in sound wealth management products and high-yield wealth management products in proportion. Young people can divide the investment proportion according to the principle of 20/80, with a steady 20 and a high yield of 80. Old people should operate in reverse.
2. Investing in creditor's rights, the risk of income stability of this investment product is low. It can be purchased through banks or the secondary stock market.
3. The annualized rate of return of JD.COM's small vault Yu 'ebao is 4.6% higher than the bank's one-year storage income, so it is convenient to withdraw cash at any time.
4.P2P investment is a high-risk and high-yield product, with an annualized rate of return of 7%- 15%. At present, P2P supervision is getting stricter and stricter, but there are still some scammer platforms running away. Therefore, investors must choose a high-quality p2p platform for investment. You can learn about a platform like Group Loan Network.
Stock investment is a high-risk product with a high rate of return, so investors in and out of the stock market should try it a little.
What's going on here? What can I invest with some spare money? ? I hope I can help you.