Time deposit is the safest method in Qian Shengqian. According to the data of official website Bank, 1 year is 1.5%, 2-year is1%,and 3-year interest is 2.75%.

Major banks will be different. For example, a branch of a large state-owned bank has a three-year fixed deposit of 3.25%, a deposit of 500,000 yuan and an annual interest of 16250 yuan.

Time deposit is a conservative Qian Shengqian way, with relatively low income, but safe and steady.

Second, buy bank wealth management products

Using funds to buy bank wealth management products can also gain income and realize money generation.

Compared with time deposits, the relative income of bank wealth management products will be higher, generally the annual income is between 3-5%. The more the amount, the longer the time, the higher the income.

Bank wealth management products generally have thresholds and requirements for funds.

When buying bank wealth management products, you should choose the right products to ensure the income and safety.

Third, buy local bonds.

Local governments will issue bonds, usually with a yield of around 5-6%. It is safer to have a local endorsement.

The annual income of 5-6% is also ideal, so you can buy some and make money.

Fourth, invest in the stock market, funds and futures.

A better channel for Qian Shengqian to invest in stock market, funds and futures. , high returns and high risks.

For example, in the stock market, if you buy it right, there will be no income ceiling. If you don't choose the right one, losing money is a high probability event.

Investing in the stock market, funds and futures is a technical activity, which requires the ability to identify and resist risks.

Five, do venture capital.

Now the entrepreneurial environment is gradually improving. Under the background of mass entrepreneurship and innovation, there are many good startup companies and projects.

If you have enough funds, you can make angel investment, incubate entrepreneurial projects, and get good returns.

Of course, venture capital is also high-risk and high-return.

Sixth, shareholding projects

With a good partner and a good project, you can take a stake and do it together and pay dividends.

In Qian Shengqian, investing in good projects is a common way, but it is also a high risk.

In the selection of projects, the conditions for taking shares should be well discussed, and there should be a good exit mechanism to reduce risks.

These methods are commonly used in Qian Shengqian. You can choose them according to your financial situation and risk preference.

In addition to the above, there are many ways and means, such as private lending, which can also make money, but the risk is higher.