It is worth reminding everyone that bank deposits and bank interest rates are different, and there is a big difference. Large state-owned commercial banks have relatively low preferential interest rates because of their good reputation. Under the present circumstances, generally around 4% is very good.
Rural commercial banks and savings banks in some places are under great pressure to absorb deposits, and some places can give 5% to 6% interest on deposits. But such information can't be found on the internet, and it needs to be searched one by one. It can be said that it is impossible to meet.
Second, bank wealth management products. With the 20 18 new asset management regulations * * requiring that bank wealth management products no longer publicize the guaranteed income, banks are called to break the rigid redemption. In fact, the purpose of the country is also to improve everyone's financial awareness and ability, rather than just paying attention to the rate of return. In fact, although the income of bank wealth management products will fluctuate, its investment channels are still so few, such as bond, equity and so on. Therefore, we must be optimistic about the use of wealth management products now bought in banks. The main investment bonds or deposits generally have a low yield, but the principal guarantee is no problem. Unless the above banks fail.
There is also a wealth management product called structured deposit. Look, its name is deposit. It is actually a wealth management product. It is a wealth management product embedded with some financial derivatives, and the yield may fluctuate up and down. Generally, the one-year rate of return is also around 4%, and some risks can reach 6%, but structured deposits do not guarantee income.
Third, the national debt. Many old people like national debt. Everyone is most familiar with the national debt, and some people have made a fortune by selling it. Of course, there is a certain difference between national debt and national debt. Treasury bonds are sold in all commercial banks, basically all outlets, but the share is different. You can choose some small banks to buy, and it is easy to grab the quota. The current interest rate is 4% for three-year bonds and 4.27% for five-year bonds.
Fourth, the fund. The funds in 2065438+2008 were poorly mixed, and some equity funds reached 0%, so they were able to sit firmly at the top of the yield list. Fund prices are 20% off and 6.5% off everywhere.
But to be honest, many stock funds have gone up and down. 20 19 is a good investment opportunity. If there is a big bull market, it is easy to double, and there are many people whose annual yield exceeds 100%.
Fifth, trust products. Trust products are generally corporate wealth management products sold to qualified investors. The interest rate can reach 8% or even 10%. For example, the interest rate of billions of dollars of commercial paper issued by Evergrande is as high as 13.75%.
In fact, a qualified investor refers to a person whose net financial assets exceed 3 million, whose total assets exceed 5 million or whose income exceeds 400,000 for three consecutive years, and who has more than two years of investment experience.
Sixth, stocks. Stocks are similar to funds, and their own operations are more risky. Of course, risks and rewards are relative, and young people who dare to take risks can consider them. After all, A shares are falling continuously, and it has almost fallen to the end of the year.
Seventh, insurance. Insurance is actually an amplifier, so we should guard against possible risks in the future. If you want to gain something from saving money, we don't recommend buying dividend insurance in insurance. However, pure critical illness insurance and medical insurance can be properly configured according to demand. After all, families in developed countries generally allocate 10% to 20% for insurance protection.