At present, there are five grades of wealth management products, namely: R 1 cautious type, R2 conservative type, R3 robust type, R4 aggressive type and R5 radical type. Therefore, not all wealth management products represent "high risk".
Of course, if investors feel that the term is long and the income is low, they can choose products below R2 level, such as monetary wealth management products and bond wealth management products, both of which have low risks.
For example, the annualized income of the money fund is generally between 2% and 3%, and the annual income of 6.5438+10,000 yuan is around 2,000-3,000 yuan; The income of bond funds is about 4%-7%, and the income of 65438+ 10,000 yuan is about 4-7,000 yuan a year.
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First of all, it depends on the investor's own willingness to invest. If you pay more attention to security, then time deposits are basically risk-free. But if you are interested in the rate of return, then the income of wealth management products is definitely greater than that of time deposits. In the meantime, see if you are in urgent need. If there is an urgent need in the short term, there is no need to consider the deposit period. If there is a demand for funds in the short term, it is better to buy wealth management products.
And your ability to take risks. The risk of time deposit is almost zero, and the risk of wealth management products is definitely higher than that of time deposit, but the risks of different wealth management products are also different. To sum up, bank time deposits and wealth management products have their own advantages and disadvantages. How to choose depends mainly on the individual needs and risk tolerance of investors, and it is best to decide according to their own risk tolerance.
Generally, 654.38 million deposits cannot be withdrawn in advance after a fixed period of time, because the bank will calculate the interest according to the current interest rate after the withdrawal in advance, and the user will lose more interest at this time. It should be noted that when banks choose time deposits, the deposit interest rates are different. Usually, the longer the deposit time, the higher the deposit interest rate given by the bank. It should be noted that the risk of bank deposits is basically zero.
65438+100000 yuan can choose a variety of investment and wealth management products, such as funds, futures, stocks, gold and so on. Here, the fund is the choice of most people. For example, the balance treasure in Alipay is a money fund, and the risk faced when investing is very small, and the possibility of principal loss can be ignored.
When investing in high-risk wealth management products, users should have this knowledge. For example, to invest in stocks, users should know something about stocks, know some basic common sense of stocks, and be able to understand K-line charts. And learn from the people around you when investing in stocks, and quickly master the skills.
In short, users need to choose how to invest 654.38 million yuan according to their actual situation. If you don't want to face risks, you can choose bank time deposits at this time. If you want to get more income and are willing to take certain risks, you can choose wealth management products at this time.
Recently, the author learned about an innovative financial information service platform named "Taohuijin", which is related to securities and stocks. There is no need to speculate in stocks, and the platform does not provide financing or interest. Only traders lead the investment, ordinary investors follow the investment, and they buy stocks together to invest. The stock risk is borne by the leading investment fund provided by the trader, and the investor gets the annualized guaranteed interest of 9.5%- 12%.