1. Risk-free and high-yield way: private bank deposit. This financial management method is bank deposit, but compared with general bank deposit, it has high yield and good capital flexibility. At present, the deposit interest rate of private banks can reach about 3%, which is nearly 10 times that of ordinary banks, and the interest rate of three-year deposits has reached about 4.5%, which is definitely a model in risk-free financial management.
Second, a low-risk, high-yield way: bond funds. Many people don't understand money and have natural resistance to the unknown. In fact, I think the fund should be a financial management method that everyone participates in. There are many types of funds, among which bond funds have relatively low risks and stable returns. For example, the annualized income of 19 is between 6% and 8%. The principal is 50,000 yuan, and the annual interest is about 3,000 to 4,000 yuan, which is equivalent to a month's salary in a small city.
Third, the high-risk and high-yield way: P2P. It is easy to be scolded for recommending this financial management method, but for an ordinary person, this financial management method is indeed a simple and high-yield method. After big waves, the platforms that can survive in the market at present have certain characteristics. When I choose this kind of wealth management products, I usually choose the head platform, and the annualized income does not exceed 12%.
As you only have 50,000 principal, it is not recommended that you directly invest in stock funds. You can buy some trainers appropriately, and it is more appropriate to choose the above three methods in the early stage.