(1) High-security financial management mode
Considering the high security of wealth management funds, it actually means that the risk is too low. To put it bluntly, I am afraid of the loss of principal, and I am unwilling to lose money through financial management. The best way to manage this kind of money is to buy government bonds and large deposits.
National debt is based on national credit, and its security is the highest among all financial products. Known as a "zero risk" investment product, it is very suitable for financial management that is unwilling to take risks. For example, it is most appropriate to buy government bonds with pension money.
The security of certificates of deposit is second only to national debt. The certificate of deposit is a special deposit of the bank, with high threshold, high income and very high security, especially the certificate of deposit within 500 thousand can be said to be zero risk, which is very suitable for high security financial management.
(2) Financial management of liquidity
Financial management wants strong liquidity, that is, financial management funds can be used at any time and will not be restricted by any funds at all; Unlike time deposits, taking them out before maturity will lose some income.
According to the characteristics of current wealth management products, only demand deposits, money funds and smart deposits have strong liquidity, and the deposit interest rate is too low, which has been excluded; Only smart deposits can be considered. Smart deposit has the characteristics of both demand deposit and time deposit, and its liquidity is particularly strong, so it is worth handling smart deposit.
In addition, the liquidity of the money fund is also very strong, and it will not limit the freedom of funds. Everyone is most familiar with Yu 'ebao and Bitong. Saving money in these two places is actually buying money funds and using them whenever you want. The liquidity of funds is really strong.
(3) High-yield financial management methods
If you really want to pursue high-yield investment and financial management, you should choose many products, such as stocks, futures, funds, crude oil and so on. These financial investments have high returns, but the returns are directly proportional to the risks, and the risks are also high. Don't invest blindly.
Therefore, if you really want to pursue high-yield investment and financial management, the best way is to stock up, but don't blindly, so as to minimize the risk of the stock market, that is, holding two bank stocks with financial management funds and holding bank stocks for a long time can enjoy dividends and premium income. This stock market is the wisest and safest way.
gather
Based on the above analysis, we know that if we really want to have a better financial management method, we must decide according to our own financial situation and pursue high-yield suggestions for stock trading; High-security financial management suggests buying government bonds; Smart deposits with strong liquidity; The above financial management methods are formulated according to the financial management style and pursuit, for your reference only.