P2P investment models are emerging in recent years and have gradually become mature after experiencing the market. P2P refers to a peer-to-peer investment model. Investors with funds can borrow money. For individuals or companies who need their own money, these borrowers have been strictly reviewed by the platform. The platform only provides an information exchange platform for both parties to the transaction, and does not directly participate in the transaction between the two parties. Therefore, the risk of the transaction is greatly reduced to a large extent. Working-class families have low risk tolerance and are advised to adopt a sound investment and financial management strategy, focusing on a combination of long-term and short-term varieties. Invest 60% in some fixed income products, which have low risk but higher returns than bank deposit interest.

Monetary funds have higher flexibility, can be deposited and withdrawn at any time and have lower risks. The income is slightly higher than the one-year bank deposit interest, with daily income settlement and monthly share settlement, which reduces the loss of selling income due to investors' urgent need for money. Compared with other low-risk investment products, treasury bonds are the safest. Its investment threshold is also relatively low. The annualized rate of return can reach 4% or 4.42%. The only disadvantage is that the investment period is long. However, the yield on government bonds is higher than that on regular regular savings at the same stage, so it is very suitable for conservative investors.

Equity products are investments whose returns cannot be guaranteed, such as stocks, futures, options, commodity-linked financial products, physical gold, etc. The investment risks of these products are relatively high. Obtain long-term, stable and relatively higher investment returns through appropriate investment in equity products. To make a clearer judgment on market trends, some structured products can bring higher returns than bank time deposits. Nowadays, people's income is high and they have a lot of savings on hand, but the interest on this money in the bank is not much. The best way to make money is to invest and manage money. So if you have 100,000 yuan, how to invest and manage money? In fact, if you have so much money, you can choose many products, such as stocks, funds or bonds. However, before choosing a product, you must understand its risks and benefits.