The so-called ranking of financial products is basically a new ranking every month. Different third-party websites have different rating methods and different ranking standards, which leads to different rankings. Therefore, we should not be superstitious about ranking.

First of all, we must know what kind of financial preferences we belong to and what kind of financial management methods we are suitable for, so that we can "prescribe the right medicine".

According to financial preferences, it can be roughly divided into five types:

(1) speculation

Typical representatives: futures and gambling.

Features: ultra-high risk, ultra-high return (almost zero return)

In fact, this method is not financial management, and gambling is more important. Maybe you spent all your money and got nothing in return; It is also possible that you are lucky to become the brightest star among thousands of people and make a fortune.

(2) Growth

Typical representatives: stocks, stock funds and foreign exchange.

Features: high risk and high return.

I believe many people have played roller coasters. This is the ups and downs. Many people get rich overnight because of stock trading, but many people also return to before liberation overnight. Not only should you keep up with the money, but you should also have a tough heart and be able to withstand the stimulation of jumping off a building.

(3) Income type

Typical representatives: insurance wealth management, funds and bank wealth management products.

Features: it takes a long time and the return is slow.

Compared with the first two, this kind of financial management is safer and the threshold is general. But if you want to get a good rate of return, you must hold it for several years or even more than 10 years, otherwise you can only hehe, and there will be no big changes in the short term. Patience, perseverance and sufficient funds.

(4) robust type

Typical representatives: trust and fixed income financing.

Features: considerable income, safety and stability.

This kind of financial management is my favorite. Although it is not as high as the stock, it is no problem that the income can reach 10% within a year or even a few months. Mainly high security, holding time can also be selected according to their own circumstances, flexible, suitable for conservative financial management, stable preferences of friends.

For example, for an unbounded wealth platform known for its stability, fixed-income wealth management products are highly secure, and for many white people, this income is not bad.

Now it is only open to novices, and you can get an extra JD.COM shopping card from 500 yuan. Interested friends can take a look and pay attention to the acquisition of "Financial Brother".

(5) Type of guarantee

Typical representatives: life insurance, bank deposit.

Features: high security and low income.

This kind of financial management is actually more traditional and is also the way most people use it. Life insurance and social insurance are closely related to our lives, so they still play a great role in ensuring our lives; Bank deposit can solve our daily consumption convenience, but if a large amount of money is deposited in the bank, if the current income is around 2%, there is a risk of not winning inflation, which is what everyone says, "money is becoming less and less valuable."

The so-called reliable financial management can actually be said to be "a suitable financial management method". Ranking can only be said to be a reference information, but it cannot be the absolute information for us to choose financial management methods.

Having said so much, I hope it will help you.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.