What other wealth management products can I buy?
First of all, before buying any wealth management, buy 1000 to test the water.
Wear it for a month and see the benefits.
In addition, if the annual interest rate exceeds 12%, don't buy it, and don't buy it regularly for more than one year.
For those of us who have low risk-taking ability, it is better to be cautious.
The reason for this is the following：
The money you have here is alive when nothing happens and dead when something happens.
For example, I suddenly plan to travel with my family during the New Year holiday. What is the budget?
This is my suggestion. Take out tens of thousands of Yu 'ebao and eat about 3% current interest. Because this money is enough for daily consumption and emergency large consumption.
Then the rest, you can invest in stable financial products for regular financial management.
As for choosing regular financial management, personal suggestions:
For investors who do not require high liquidity, they can choose a wider range. They can consider short-term financial management (brokers+banks, P2P/P2B), large deposit certificates, bank structured deposits, reverse repurchase of government bonds and other financial management.
Short-term wealth management products, most of the income is slightly higher than that of money funds, but the liquidity is slightly lower.
1, short-term financial management (brokerage+bank, P2P/P2B).
In a fixed period, such as 30 days to 365 days, it is impossible to actively sell, that is, to redeem at maturity.
The average annualized rate of return of brokerage financing is 4.66%. Based on the principal of 200,000 yuan, the expected income for one year is about 9,320 yuan.
P2P/P2B, fixed income products, annualized rate of return 6%- 14%.
P2B Many people say they won't choose.
It is said that the risk is low. If you shoot blindly without looking at anything, it is equivalent to blindfolding! If you leave your fate to God, you can only leave it to fate.
Say it is risky, office workers, like me, have been holding the mentality of "learning while investing" for several years, and it has become one of the staple foods on my plate.
So learn how to choose the right one. The more you know, the more controllable the risk.
I started investing in P2B from 20 14, and didn't spend much energy. I earn tens of thousands more every year, and my income is still relatively advantageous.
I also prefer stable fixed income products, so I choose P2B head platform-unbounded wealth. Simply put, the risk is small, it saves trouble, but the income is the most 10%. If I don't have a particularly high pursuit of income, I can try.
And the threshold is low, 300 bids, and now there are novice activities. The registered investment will be given free 100 red envelope+500 JD.COM card: 100 red envelope.
I suggest you visit their financial forums, experience excellent customer service and community forums, and compare your future investments in other platforms.
2. certificates of deposit and structured bank deposits.
Judging from the interest rates announced by some banks, the recent 1 year, 2-year, 3-year and 5-year deposit certificates are 2.28%, 4.18%, 4. 15% and 4. 19%, respectively, which are higher than ordinary time deposits.
In addition, most of the structured bank deposits with good liquidity are within one year, and the yield is around 4%. However, at present, risks such as principal and interest are not guaranteed, and income fluctuations need to be borne by themselves.
3. Reverse repurchase of government bonds.
Individuals lend their own funds through the national debt repurchase market and obtain fixed interest income. At the end of the month and the end of the quarter, the income is as high as 10%, which needs to be carefully selected and analyzed.
The above is a relatively stable financial management method at present, suitable for novice Xiaobai. Having said so much about financial management, the most important thing is to find a product that suits you. In fact, there is no right or wrong product. It is right to measure your risk tolerance and find the right one.
Items not recommended for purchase: insurance, stocks, equity funds, and various currencies.
To be honest, can you make money by buying these things?
Yes, but it's definitely not you. If you believe that buying stocks can make money, you might as well buy lottery tickets realistically. 14, a friend suggested that I buy bitcoin. I knew that at that time. I feel that the stunt is very big and the risk is greater. I am determined not to buy it. I still have no regrets. Because he bought more than 5,000, it became more than 2,000 in less than a month, and then he sold all the stops. No one can see that four years later, it has risen to this ghost today.
If you have 10,000 or 20,000 in your hand that is not urgent, it does not exist. You can buy all the bitcoins and see you in ten years.