How to deposit 200 thousand deposit is more appropriate?
1. Bank deposit
It is a common way to deposit money in the bank with low risk and high security. Bank deposits include demand deposits and time deposits. If your 200,000 yuan doesn't need liquidity, you can choose time deposit, otherwise, you can choose time deposit. The longer the term, the higher the deposit interest rate and the higher the income. The interest rate of deposit is generally lower than that of time deposit, but it is more convenient to carry around. 2. Deposit money such as Yu 'ebao and Coin Pass.
Products such as Yu 'ebao and Bitong are similar to demand deposits, but the interest rate is slightly higher than demand deposits. It is also safer to deposit money in these products, with stable income and relatively low risk.
3. Diversification of financial management
Diversification of financial management means investing your money in products with low risk, low return and high risk and high return. If you have a high risk tolerance, you can buy some funds, and the other part can be deposited on a regular or current basis. There are many types of funds, and the risk and return are different. In addition to monetary funds, you can choose funds according to your actual situation. Among the types of funds, stock funds and index funds are relatively risky, so we should choose the right industry instead of sunset industry.
In addition to the above financial methods, I think it is better to invest less in stocks, futures and other products. After all, only a few people can always make money. If you want to do financial management, the above methods are more suitable for you, or you can do some insurance financial management.