Capital preservation and financial management method
According to the current wealth management products, there are only four ways to protect capital:
1. Treasury bonds, known as zero-risk investment tools;
2. Bank deposits, low-risk investment tools;
3. Monetary fund, capital preservation and financial management;
4. The Bank's principal-guaranteed wealth management products ensure the principal security;
At present, the financial products with guaranteed capital are very selective, and the above four kinds are very suitable for people without risk ability.
High-yield investment and financial management methods
Nowadays, in investment and wealth management products, the income is very high, but the higher the income, the greater the risk, and the income is directly proportional to the risk.
1. Financial investment, futures speculation, crude oil speculation, etc.
2. Financial products, such as banks, insurance and securities.
3. Guaranteed financial management, bonds, deposits, money funds, etc.
In fact, there are many varieties with high returns, the highest is wealth management investment, and the lowest is capital preservation wealth management. High risk means high income, and low risk means low income.
Which financial management method can not only protect the capital but also have high returns? To meet these two requirements, I personally think there are only two options. One is bank smart deposit; Second, the national debt, these two financial management methods are the most consistent.
Smart deposit
Bank smart deposit is a special deposit business, and bank smart deposit is a financial management method to protect capital and interest.
The principal security of smart deposit is very high, and the risk can be ignored; Another advantage is the high interest income of certificates of deposit.
Five-year smart deposits similar to private banks have a minimum annual interest rate of 5%, and some private banks give smart deposits of 5.8%, which is already high and worth saving.
national debt
National debt is also a special way of managing money. The security of national debt is also very high, and the risk is basically negligible. It is called a zero-risk investment tool.
In addition to high security, the yield of government bonds is also good, with an annual yield of 4% ~ 5%. Among the capital-guaranteed wealth management products, the capital-guaranteed wealth management products with an annual yield of more than 4% are worth considering.
National debt is very suitable for two types of people, one is people who have no risk tolerance; The second is very suitable for the elderly, that is, the purchase of pension money.
Summarize and analyze
Through the above understanding of various investment and financial management methods at present, it is found that any financial management method without capital preservation is gain and loss, and capital preservation is low income.
Smart bank deposits or treasury bonds are the only way to manage money with high capital preservation and high income, while capital preservation financial products are no longer issued, and the income of money funds is too low. These do not meet the requirements, so it is a wise choice to choose smart deposits or government bonds.