The investment threshold for ordinary bank time deposits in 50 yuan is quite low. Moreover, bank time deposits basically support online operation of mobile banking. For wage earners, it is very convenient not to go to outlets every time.

Time deposits are divided into lump-sum deposits and lump-sum withdrawals, among which the deposit interest rate of lump-sum deposits and lump-sum withdrawals is relatively high, and the one-year interest rate of state-owned banks can reach about 1.75%, which is much higher than the deposit interest rate of 0.35%.

2. Funds

Funds also belong to the category of ultra-low threshold investment, starting from 0. 1 yuan for monetary funds and generally starting from 10 yuan for other types of funds. Funds can be divided into many types according to the different investment targets, but even the money fund with the lowest risk has a slightly higher expected rate of return than the bank's one-year time deposit.

In addition, the fund's subscription and redemption are very flexible, generally redeemed on the same trading day, and can be received on the next trading day. However, the flexibility of the fund is also a disadvantage for investors with compulsory savings needs.

3. Personal old-age security management products

Personal old-age security management products are financial products provided by various old-age insurance companies, and the product risks are mostly low. More importantly, the starting investment threshold of this kind of wealth management products is much lower than that of bank wealth management, generally starting from 1 1,000 yuan.

Extended data

Financial management method

You need to open a corresponding wealth management account when you go to a bank or a securities company for wealth management. Generally speaking, wealth management accounts opened by banks can handle savings products, bank wealth management products and fund products, and large banks can also purchase them through the banking system. Due to the wide distribution of bank outlets, investment and wealth management accounts opened through bank channels can be handled at bank counters.

The financial accounts opened by securities companies can be used to invest in a series of investment financial instruments such as stocks (including A shares, B shares and H shares), bonds (including government bonds, corporate bonds and corporate bonds) and futures (including financial futures such as stock index futures and foreign exchange futures, and commodity futures such as gold futures and agricultural products futures). The opening of a securities account can be handled in the business department of a securities company, and it needs to be handled within the trading day.

The procedure of investing in a company is relatively convenient. Generally, you only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.