time deposit
Bank time deposit is the most tasteful time product. Conventional time deposits, certificates of deposit, and smart deposits with generally high expected returns all belong to time deposit products with fixed storage periods.
Because time deposits are protected by the Deposit Insurance Regulations, even in extreme cases such as bank bankruptcy, the principal within 500,000 yuan will not lose money.
The standard of insurance payment is individual, not family. Therefore, if the investor's deposit principal exceeds 500 thousand, he can also choose to deposit it in several banks or borrow someone else's deposit account. As long as you master certain deposit skills, time deposits will basically not lose money.
national debt
National debt is also a common fixed-term product. The investment period of savings bonds is generally three or five years, and the expected interest income can be obtained at the agreed interest rate and the principal can be recovered.
One of the main risks of bond investment is bond default, that is, the bond issuer cannot repay the principal and interest on time. However, the national debt is a kind of bond guaranteed by the national reputation, and generally there will be no bond default.
Although the national debt does not promise capital preservation, investors can regard it as a financial management tool with capital preservation, and the principal will generally not be lost.
Regular wealth management products
Regular wealth management products include bank regular wealth management and Internet regular wealth management. Most wealth management products belong to non-guaranteed floating expected income products, that is, they are neither guaranteed nor expected income, and the principal is at risk of loss.
According to the statistics of Zhongyin.com Data Center, the word "financial management" first appeared in the late 1990s. With the expansion of the domestic stock and bond market, the increasing enrichment of commercial banks and retail businesses, and the increase of citizens' income, the concept of "financial management" has gradually become popular. Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.
What is financial management?
When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:
1, financial management is a lifelong treasure, not just to solve the problem of urgent need for money.
2. Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, no matter whether you have money now or not, everyone needs to manage money.
3. Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).
Where can I manage my money?
At present, the institutions that can provide financial services to customers in China mainly include banks, securities companies, investment companies and economic management companies.
1, bank financing
At present, the wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
2. Financial management of securities companies
Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.
3. Financial management of investment companies
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and so on. , which needs high start-up capital and is suitable for high-end financial managers.
4.APP financial management
At present, there are many series of APP financial management methods on mobile phones, with zero start-up capital, which are suitable for all people.