wealth management
Financial management includes time deposits, financial products, bonds, funds, stocks, futures, foreign exchange, options and other products. These products can make money, but they also have risks. Time deposit is a capital preservation product, which means that time deposit can make money. Although wealth management products and bonds are not capital preservation products, the risks are relatively small and the probability of making money is relatively high. Funds, stocks, futures, foreign exchange and options are not capital preservation products, and the risks are relatively large. At the same time, the expected return is high, and the probability of principal loss is relatively large.
Several ways to manage money and make money.
Playing new shares: Playing new shares is basically a sure-fire business, but the average winning rate is around three ten thousandths. Anyone who can win the lottery is lucky enough to explode. However, there is still a market value of the position to make a new one. The market value is 10,000 yuan with a Shanghai number and two Shenzhen numbers. The more numbers, the greater the chance of winning the bid. How much money you can earn after the new shares are listed depends on whether the market is good or not, mainly on whether the quality and theme of the stock itself are attractive. Some people can earn 200,000 to 300,000 yuan, while others can only earn 18,000 yuan. If they insist on playing new shares, one person can win once or twice a year on average.
Convertible bonds are new: there is no market value requirement for convertible bonds to be new, and the winning rate is higher than that of stocks. You can win several times a year if you insist on new debts. How much new bonds can earn after listing depends on whether the convertible bond market is good at that time, mainly referring to the trend of positive stocks. Generally, convertible bonds with good performance of stocks have at least 30% earnings after listing. First-hand convertible bonds can be bought for 10, with a cost of 1 0,000 yuan, and the funds will be frozen for 20~30 days, and you can earn 200~300 yuan on the first day after listing. The yield of 20%~30% a month is not worse than that of bull stocks, so we should insist on making new debts.
Stock dividends: Other stocks with high dividends are hard to say, but the high dividends of bank stocks can be taken. A relatively safe way is to buy bank stocks at the end of each year when they are adjusted to a low level, so that you can get high dividends in the second year and keep the market value and play new shares. However, the performance of banking stocks is stable, and the rights can be basically filled after dividends, and the market value will not be lost. Even if the performance growth in the second year is better than expected, the stock will appreciate.
Reverse repurchase of government bonds: The security of government bonds is basically the best among all investment products, and the interest rate of reverse repurchase of government bonds will change. One way is to use idle funds to buy government bonds for reverse repurchase after the stock market closes, but it is best to buy them during the long holiday. If you only do overnight, the income will be very low after deducting the handling fee. Another way is that when financial institutions settle accounts in the middle of the year or at the end of the year, the reverse repo rate of government bonds may rise sharply, and buying at this time is very cost-effective. Make money properly, just waste a good opportunity without buying it.
Index fund: The basic idea is to buy after the index plummets, and then wait patiently for the index to rebound. Just buy those with good liquidity, such as SSE 50 and CSI 300. This method is more suitable for lazy people and the risk is relatively low. The annual income 10% is basically no problem. The reference bank's one-year time deposit rate is only 1.5%.