Domestic high-risk and high-yield financial channels, that is, stock market, funds, commodity futures and so on. Beginners can't invest a lot of money at first and blindly enter the market. The most likely thing is to lose everything. Therefore, it is very useful to learn the skills of investment as soon as possible. At first, you can find a low-risk and low-input investment platform, such as "Jin Ming Microfilm", which can be traded for 8 yuan. Pay attention to the official WeChat account "Jin Ming Micro Disk Master Account" and you can participate in the transaction. The risk is small, the operation is convenient, and it is very suitable for beginners to learn.
There are also some varieties with low risks and low returns. First of all, bank savings are an important choice for many microfinance investments. However, I have to remind you that the interest rate of bank deposits is generally low. For investment managers, the income of time deposit is relatively higher than that of demand deposit, and the deposit interest rate is calculated from the date of deposit, which saves the screening period and waiting period for purchasing goods, and actually has certain advantages in income time. But on the whole, the liquidity of time deposit funds is poor, the interest rate earned through bank savings is generally low, and the rate of return is likely to fail to keep up with inflation. Therefore, I suggest that you don't deposit all your funds in the bank.
Secondly, optional products for investment and financial management include money funds. Monetary funds mainly invest in some central bank bills, short-term government bonds, repurchase, bank deposits and so on. , also known as "quasi-savings products", is also a relatively small investment and financial management method with little risk. The investment principal of the money fund is relatively safe and has strong liquidity, which is second only to demand savings. The annual rate of return is generally around 4%, and you can invest a few hundred yuan. It is often recommended by investment and financial experts as a reserve tool for family reserve funds. However, the money fund's income is not high, and it is not completely risk-free. It is suggested to choose a professional monetary fund in the investment process.
In addition, the Internet financial model of wealth management products is also a good choice. Generally, this kind of wealth management products have a low threshold and the yield is at a high level among similar products. The expected yield of some p2p products has also reached about 8%~ 15%. However, the news that domestic P2P platforms run away from time to time occurs, and the biggest risk is the security of the principal. So it is recommended to try with a small amount of money.
In fact, investors should have rational and basic financial management knowledge, broaden their horizons when choosing financial management paths, understand various financial management models, disperse funds, and rationally arrange the layout of funds, which is the performance of their own property managers. There are some differences in the usage rules of each wealth management product. For example, there is no handling fee for Yu 'ebao and Lifelong Treasure, and the annualized income of Live Qian Bao and Riyingbao is above 10%. Bian Xiao reminds: Please be sure to invest rationally on the premise of knowing the product characteristics.