1. Bank deposits, in addition to the various time deposit or demand deposit services that we are already familiar with, include the following that we have not noticed:
At present, all banks have automatic transfer service. Users can open this service at the bank counter with their salary cards and valid identity documents, and can set up transfer points to realize automatic transfer of funds between fixed accounts and current accounts. Through this business, wage earners can completely achieve the purpose of tailoring their financial planning, such as setting the amount of pocket money, choosing the proportion and duration of regular savings, etc. To realize the independent flow of funds among current accounts, time deposits, call deposits, agreement deposits and other accounts, thus improving financial efficiency and rate of return on capital. According to statistics, if the average allocation of funds is from three months to two years, the annual comprehensive rate of return for one year can reach 1.75%. However, it should be noted that the starting point and time of transfer are different for different banks.
"Lump sum deposit and withdrawal" refers to the monthly fixed deposit, which generally starts in 5 yuan and has a term of one year, three years and five years. The deposit amount is determined by the depositor, and it is deposited once a month, and the principal and interest are withdrawn at maturity. The interest-bearing method is consistent with the interest-bearing method for lump-sum savings deposits. If there is any leakage in the middle, it should be made up in the next month. If not, the interest shall be calculated according to the actual deposit amount and actual deposit period at the time of withdrawal and the current interest rate announced by the People's Bank of China on the date of withdrawal.
It can be said that lump-sum deposit and withdrawal is a way of compulsory deposit, and the same amount is fixed every month. People who want to be "moonlight clan" can form the good habit of "saving money" in this way.
Savings money fund: demand savings
The so-called money fund is an open-end fund, which mainly invests in stable financial products such as central bank bills, book-entry treasury bonds, financial bonds and agreement deposits. Because it doesn't have subscription and redemption fees like other open-end funds, investors can regard it as "current savings" and purchase and redeem it at any time. It usually takes 2 to 3 working days from issuing a redemption instruction to being able to withdraw cash.
Second, all kinds of fund products According to different standards, securities investment funds can be divided into different types:
(1) According to whether the fund unit can be increased or redeemed, it can be divided into open-end funds and closed-end funds. Open-end funds are not listed and traded, but are generally purchased and redeemed by banks, and the fund scale is not fixed; Closed-end funds have a fixed duration, and the fund size is fixed during the duration. Generally listed on the stock exchange, investors buy and sell fund shares through the secondary market.
(2) According to different organizational forms, it can be divided into corporate funds and contractual funds. A fund is established by issuing fund shares to establish an investment fund company, which is usually called a corporate fund; The establishment of fund managers, fund custodians and investors through fund contracts is usually called contractual funds. At present, China's securities investment funds are all contractual funds.
(3) According to the difference of investment risk and income, it can be divided into growth type, income type and fund type.
Balanced fund.
(4) According to different investment objects, it can be divided into stock funds, bond funds, money market funds and futures funds.
Here are some things that we don't pay much attention to.
Regular fixed subscription fund
Regular subscription funds are very suitable for wage earners to achieve the goal of compulsory savings. The number of listed open-end funds has reached hundreds, and its main distribution channel is banks. Then, the wage earners who often patronize the bank may wish to choose a fund that they sell on a commission basis and sign an agreement with the bank to stipulate the monthly deduction amount. In the future, the bank will deduct the agreed amount from your fund account and transfer it to the fund account to complete the fund subscription. This approach is conducive to risk diversification and long-term stable value-added. This investment method does not need to master too much professional knowledge, nor does it need to bother to choose the time of purchase. As long as you have patience and insist on holding for a long time, under normal circumstances, the income of the fixed investment of the fund will be higher than the interest of lump sum deposit and withdrawal. Because of this, it is even an excellent choice for wage earners to reserve education funds or plan pensions for their children.
Buy funds regularly, and it is particularly important to choose which fund. Generally speaking, this investment method is suitable for stock funds or mixed funds with partial stocks, and the important criterion for selection is its long-term profitability.
Bank's "Monthly Plan" Financial Management
Some joint-stock banks have a "monthly plan" deposit method, and the annual income can reach 3.3 times of demand deposits and 1.5 times of call deposits. As long as the balance of a single account exceeds 1 1,000 yuan, they can agree with the bank on a monthly financial plan at the end of each month, and the bank will pay out the income of the previous period on 1 day of each month, and allow investors to terminate the plan from the 5th to 25th of each month to ensure funds.
First of all, we should put half of our savings in bank deposits or national debt. The function of this money is not to increase income, but to protect capital and avoid uncontrollable risks to wealth.
In addition to deposits and national debt, we can also pay attention to other low-risk wealth management products, such as RMB wealth management products and money market funds. The principal of investing in these wealth management products is relatively safe. Although the yields given are all expected returns, there is no absolute guarantee, but in fact the fluctuation range of the yields is not large. For example, taking out10,000-20,000 yuan to invest in currency or bond-type open-end funds can replace demand deposits.
In the case of ensuring liquidity and low risk, the yield of money market funds is generally around 2%. Money funds generally do not charge redemption fees, management fees are also low, and the conversion is flexible, the principal is safe and tax-free.
Third, direct investment in futures or stocks, commonly known as "speculation in futures" or "speculation in stocks"
Purchase of physical investment: such as buying precious metals such as gold, or jewelry, or antique calligraphy and painting.