1, time deposit

Bank wealth management (capital preservation type) is a capital preservation type wealth management product sold by banks.

One thing to note is that if you buy a bank wealth management product, you must pay attention to whether it is a capital preservation type. Many times, under the enthusiastic recommendation of the beautiful lady in the bank, many people will ignore whether the bank wealth management products they buy are guaranteed.

If you buy a bank wealth management product that does not break the cost, you may also lose a lot. Be sure to remember that the bank will not be responsible for the non-guaranteed wealth management products you buy.

2. National debt

National debt is an iou issued by the state to borrow money. As long as the country is still there, the money will be returned, and there is nothing to say about security.

The reverse repurchase of national debt is essentially a national debt mortgage loan. People who have national debt in their hands but are short of money mortgage national debt to borrow money. Rich people borrow money.

The second category is low-risk financial management tools.

1, low risk and medium income, with annualized rate of return generally between 6%- 15%, mainly including graded fund A, convertible bonds, bond funds and stock index funds.

2. Low risk and high return, and the annualized rate of return is generally between 15%-30%, mainly including stocks, REITs and real estate of profitable asset types.

In fact, low risk can also have high returns, and high risk is more likely to have high losses. The risk and income are mainly determined by our financial knowledge, not by the financial instruments themselves.

The third category is medium-risk financial management tools.

Gold, as everyone knows, is not much to introduce. Why is gold a medium risk? Because gold is other assets, it will not bring net cash inflow. Holding gold can only earn the difference. There is great uncertainty about the price difference. So it is a medium risk.

Bank financing (non-guaranteed) is risky and needs to be cautious. Generally, people with financial knowledge will not participate. It is better to invest in this risky bank wealth management product than to do it yourself.

Stocks of other asset types, stocks that do not pay dividends. This kind of stock doesn't pay dividends, so it can only make money by raising prices in the future. However, there is great uncertainty about the future price rise and fall.

In fact, stocks may be low-risk and high-yield financial tools, high-risk and high-yield financial tools, and high-risk and high-loss financial tools. For people with different financial knowledge, the risks and benefits of stocks are different. People who lack financial knowledge will blindly think that stocks are high-risk financial management tools.

The fourth category is high-risk financial management tools.

P2P is essentially usury on the Internet. Just recruit a few people and make a website to do this. This standardized financial management tool is not traded on the national exchange. The risk is very high, and it is easy to lose everything.

Private equity funds, funds raised for a few people, can invest in various financial instruments. Private equity funds are non-standardized financial management tools with great risks.

Bitcoin, a kind of digital currency. It is not a standardized financial management tool for trading on national exchanges. It does not generate cash flow, belongs to other assets, and can only earn the difference. It's very risky.

Collectibles are not standardized financial management tools traded on national exchanges. It does not generate cash flow, belongs to other assets, and can only earn the price difference, which is not easy to realize. It's very risky.

Real estate with monetary consumption asset type continues to bring net cash outflow. Because the monthly net cash outflow is certain, that is to say, the monthly loss is certain. In the future, we can only make money by rising house prices, which is very uncertain. The risk is relatively high.

Futures, standardized contracts traded on futures exchanges. There is no credit risk and there is no escape. Futures itself does not generate cash flow, but can only make money by the future price difference, which is very uncertain. In addition, futures are generally highly leveraged, and it is easy to lose principal. It's very risky.