2. Ten thousand yuan investment and financial management method 1: bank savings.
Saving is a very practical way. The advantage is that the money is safe there, so you don't have to worry about losing it. The principal is safe and convenient to take. The disadvantage is that the income is small and it is suitable for more conservative people. Calculated according to the annual interest rate of demand deposit of 0.35%: principal × 0.35 %× deposit days /360 =? A current deposit of $10,000 a year is 35 yuan's interest.
Ten thousand yuan investment and financial management method 2: monetary fund
Investors can buy some money funds with 1 10,000 yuan. Monetary funds have low requirements for investors' financial knowledge and investment funds, and the risk is relatively low. Investors should know that money funds investing in money market instruments such as bonds and central bank bills have the characteristics of low risk, stable income and good liquidity, but the rate of return is more impressive than that of bank demand deposits.
In addition, most financial experts remind investors that in addition to their historical rate of return, investors can also choose some mature old funds. While investing in money funds, you can also learn some professional knowledge of bond investment, and then invest some funds in bonds or stock fund products in order to improve the return on income.
Ten thousand yuan investment and financial management method 3: fixed investment of the fund
Fixed fund investment is called "lazy financial management", that is, a fixed amount is invested in a designated fund at a fixed time. The advantages of doing this are simple procedures, time-saving and labor-saving, and the effect of cost sharing and compound interest.
For young people who have just joined the work, now is the time to accumulate the first bucket of gold in their lives, so investors can consider making fixed investment in the fund without affecting the quality of life, and then make more mature financial planning through the accumulation of funds and financial management knowledge for one or two years.
Moreover, the fixed investment of the fund is actually a way of compulsory savings, which can control consumption well and save a fortune at the same time. However, it should be noted that the fixed investment of the fund focuses on long-term investment, and the short-term income is not obvious, so investors should stick to it.
Ten thousand yuan investment and financial management method 4: "baby" products
The rise of internet finance in the past two years has aroused everyone's enthusiasm and awareness of financial management. Many investors choose to invest their savings in "baby" products to gain income. In fact, this is also one of the ways for financial novices.
According to relevant data, the annualized rate of return of "baby" products in recent 7 days is around 5%. Among them, Baidu and harvest fund jointly launched the Baiying Rolling Income Edition, with an annualized rate of return of 4.200% on the 7th, 5.3330% for the value-added treasure of Jingdong Small Treasury and 4.4570% for Yu 'ebao on the 7th.
Ten thousand yuan investment and financial management method five: stock trading
For investors who have just entered the market, most financial experts suggest that they can ambush low-priced stocks selectively, adhere to the medium-and long-term investment strategy, do not change stocks frequently in the middle, and make a good stock first. If the bull market continues for a long time, the yield will be considerable. Of course, the risk of the stock market is unpredictable, and we should have a clear understanding of it.