The two most secure financial management methods are gold and bank deposits. Then you can consider some existing funds, others like stock futures, and precious metals such as platinum and higher. It is not recommended for everyone to consider risky stocks, because although those stocks have higher returns, they do not meet people's need for stability.
Bank deposits are definitely the safest, because their risks are the lowest and infinitely close to 0. Bank deposits in our country are safer than bank deposits in other countries and are protected by insurance companies. Unless there is a collapse of the entire economic environment, hyperinflation, or general environmental problems, this risk will arise, but this risk is very low, so bank deposits are very safe, but their rate of return is also relatively low. Usually The average rate of return is around 3%. In particular, the deposit reserve ratio has been lowered in the past six months, which is a signal to let more money flow to the market.
Gold is a relatively safe long-term investment, but now is not a good time to start. The current price of gold in RMB is still around 370 yuan to 375 yuan. This price is relatively High. If the price of gold is around 350 yuan, you can consider it. Now that it has risen to this level, it is not appropriate. If you really go there with long-term goals, you don’t expect anything big to happen in the short term. , if it can catch up with bank deposits without losing money after one year of growth, this return will be enough. Now you can also consider reducing the cost of buying by gradually adding positions.
For some existing funds, the rate of return is relatively low, which is about 3%, which is similar to that of bank deposits. The advantage is that it is more flexible. You can sell it whenever you want. There won't be much loss. Because the handling fee is already very low for only more than 30 days, the disadvantage is that its income is relatively low, and it will not create a miracle for you like a stock-focused hybrid fund.