1, real estate. First-tier cities appreciate steadily, and second-and third-tier cities look at character. Holidays have gone up a lot this year. It is estimated that it will stop in the next few years, and the average annual rate of return is around 6-8%, which is similar to the national GDP (you know). However, the liquidity of real estate is not good, and some cities restrict purchases, occupying a lot of money. It is recommended that 50% of assets be invested in real estate.
2. stocks. There are great fluctuations, but the gains are quite rich, and there may be more losses. As the saying goes, 10 people lose 9%. Unless you are an expert, don't enter the market. I can give you a simple stock, and you will never lose money (buy bank shares and play new shares-this can be asked later). It is recommended that 5% of assets be invested in stocks.
3. Bank insurance financing. The rate of return is around 2%-5%. Generally, you should buy some indemnificatory insurance (for example, the younger the pension, the cheaper it is; The elderly at home buy medical insurance for serious illness. ), the bank's fixed wealth management income, this income is low, but generally relatively stable, long time, small liquidity.
It is suggested that 10% should be engaged in routine banking and 10% should be engaged in current product banking.
4、p2p。 Internet finance is a recent financial management method. Simply put, it is to cancel the bank cost and directly invest the investors' money in those who need it, thus eliminating the banking link in China, with an annual interest rate of almost 6%- 14%. This stability depends on the platform. For example, in lufax, it is generally around 6%, which is basically similar to bank financing. Other platforms with higher returns, such as 12- 14%, such as Yuanbao 365 (I have invested here for two years, and there is no big problem). Judging by myself, it is recommended that 25% of the assets be used for Internet financing.